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Table of Contents
North Carolina Banking Institute

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Foreword
Sarah A. Core and Lissa L. Broome

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Effective Compliance Risk Management in a Rapidly Changing Regulatory Environment: A Conversation from the Clearinghouse Annual Conference
Lissa L. Broome, Richard Neiman, Sally Belshaw, and Tim Clark

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The Alternative Investment Fund Managers Directive: The European Union Gives Private Equity Fund Managers the Social Market Economy Treatment
Tom C. Hodge

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A Spotlight on Shadow Banking: The CFPB Finalizes Procedures to Supervise Risky Nonbanks
Dylan J. Castellino

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The Exception That Ate the Rule: Why QRM Should Not Equal QM
Jeffrey R. Favitta

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The CFPB Indirectly Regulated Lending through Auto Dealers
Kim B. Perez

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Proffering the Right Evidence: Proving Loss Causation and Damages under SEC Rule 10b-5
S. Austin King

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Deferred Prosecution Agreements: Too Big to Jail and the Potential of Judicial Oversight Combined with Congressional Legislation
Ellis W. Martin

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The Student Debt Crisis: A Synthesized Solution for the Next Potential Bubble
Jessica L. Gregory

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Small Business Real Estate Financing: Why Small Businesses and Banks Should Utilize SBA 504 Loans
Graham S. Miller

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Banking on Bitcoin: Applying Anti-Money Laundering and Money Transmitter Laws
Kelsey L. Penrose

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Easing the Burden on Mobile Payments: Resolving Current Deficiencies in Money Transmitter Regulation
M. MacRae Robinson

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The Consequences of Expiring Commercial Shared-Loss Agreements
Robert C. Martin

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Missed (Inter)Connections: Proposed Revisions to the Federal Reserve's Approach to Financial Stability Analysis under the Bank Holding Company Act
Christopher S. Dwight

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The Durbin Amendment's Interchange Fee and Network Non-Exclusivity Provisions: Did the Federal Reserve Board Overstep Its Boundaries
Kathleen A. McConnell

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Falling on Deaf Ears: The FSOC's Evidentiary Hearings Provides Little Opportunity to Challenge a Nonbank SIFI Designation
William M. Butler