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Front Matter
North Carolina Banking Institute

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Table of Contents
North Carolina Banking Institute

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Foreword
Brenna A. Sheffield and Lissa L. Broome

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In Memoriam: H. Gary Pannell 1937-2016
North Carolina Banking Institute

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The Curious Case of Madden v. Midland Funding and the Survival of the Valid-When-Made Doctrine
Charles M. Horn and Melissa R.H. Hall

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A Review and Assessment of the National Mortgage Settlement by Its Monitor
Joseph A. Smith Jr.

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Is Your Cyber Liability Insurance Any Good? A Guide for Banks to Evaluate Their Cyber Liability Insurance Coverage
Thomas H. Bentz Jr.

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The CFPB at Five Years: Beyond the Numbers
Kelly Thompson Cochran

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The Consumer Financial Protection Bureau at Five: A Survey of the Bureau's Activities
Donald C. Lampe and Ryan J. Richardson

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Virtual Currencies: Growing Regulatory Framework and Challenges in the Emerging Fintech Ecosystem
V. Gerard Comizio

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Smart Contracts: Legal Agreements for the Blockchain
Reggie O'Shields

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The Consequences from Issuing Invalid Municipal Debt: Examining the Voidable Debt Issues in the Detroit Bankruptcy and Puerto Rican Debt Crisis
Joshua C. Showalter

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Standing, Statutory Violations, and Concrete Injury in Federal Consumer Financial Protection Statutes After Spokeo, Inc. v. Robins
John H. Hykes III

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Deference Debate and the Role of Cost-Benefit Analysis in Financial Regulation: MetLife v. Financial Stability Oversight Council
Frederick Matthew Norchi

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First Time for Everything: The CFPB Enforces Data Security
Graham T. Dean

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"Fishing" for Trouble?: On the Appropriate Limits of a Civil Investigative Demand Issues by the CFPB
E. Sylvester Kisluk

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Using a Shotgun to Kill a Fly: Issues with the CFPB's Payday Lending Proposal and the Need to Incentivize Banks to Enter the Marketplace
Ethan D. Trotz

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Living Wills: How Legal Entity Rationalization Addresses the "Too Big to Fail" Problem
Monica M. Burks

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The New York Department of Financial Service's New Anti-Money Laundering Regulation: A Model for Improvement
Roy G. Dixon III

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Nested Payment Intermediaries in the ACH Network: Risks and Responsibilties of ODFIs
Edward McCartney

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The Wells Fargo Scandal and Efforts to Reform Incentive-Based Compensation in Financial Institutions
Justin H. Mims

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Defining and Verifying Accredited Investors: Effect of Potential SEC Changes on North Carolina's Crowdfunding Statute, the NC PACES Act
Harris M. Watkins

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The North Carolina State Tax Treatment of Virtual Currency: An Unanswered Question
Kelly J. Winstead