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Contents
North Carolina Banking Institute

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Masthead
North Carolina Banking Institute

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Front Matter
North Carolina Banking Institute

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Foreword
Thomas E. Walls and Lissa L. Broome

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Is it Time to Unify the Regulation of Depository Institution Holding Companies? Historical Review of Differentiation and Convergence in the Regulation and Supervision of Depository Institutions, Bank Holding Companies, and Savings and Loan Holding Companies
Mark B. Greenlee

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Exigent Circumstances: Section 13(3) of the Federal Reserve Act and Federal Emergency Lending Programs
Todd H. Eveson

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Rejection: How Bankruptcy Courts’ Treatment of Midstream Gathering Agreements Affects Underwriting and Restructuring
John J. Kane, Gordon B. Russell, S. Kyle Woodard, and Kathleen Thompson

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No Good Deed Goes Unpunished: Potential Lender Liability for Paycheck Protection Program Lenders
Adhitya Mahesh

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An Industry in Crisis: Nonbank Mortgage Servicers and the CARES Act Mortgage Forbearance
Nickolas J. Harrelson

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Back to Basics: The Principles of Bank Merger Review
Christopher E. Rhodes Jr.

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Stress Testing During Stressful Times: How COVID-19 Could Influence the Role of Stress Testing and Prudential Financial Regulation
Briana L. Johnson

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Borrowers Beware: The OCC’s “Madden-fix” Rules and Their Shield for Predatory Lenders
Jordan A. Koonts

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Removal for Cause: Seila Law and the Future of the CFPB and FHFA
Jackson S. Freeman

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Community Reinvestment Act Final Rule: Will the FDIC Eventually Adopt the New Regulations
Kevin Goldman

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The Brick-and-Mortar Bank is Dead—COVID-19 Killed It: Analyzing the “New Normal” for Data Security in the Increasingly Digital Financial Services Industry
Anna-Nicole Cooke

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They Will Survive—Again: CLO Resilience Amid the COVID-19 Pandemic
Emily K. Cooke

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Online Sports Betting: The Opportunities and Risks for Banks
Evan Harrell

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Targeted Economic Sanctions in Light of the Hong Kong Autonomy Act and U.S.-China Tensions
Elizabeth Peters

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Extending Mortgage Forbearance for Conventional Mortgage Loans During COVID-19
Shayshari S. Potter

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A Creditor’s Kerfuffle: How the SBRA Harms Creditors in Small Business Cases
Jonah R. Hall