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Contents
North Carolina Banking Institute

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Front Matter
North Carolina Banking Institute

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Masthead
North Carolina Banking Institute

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In Rememberance: Judith Welch Wegner (1950-2021)
North Carolina Banking Institute

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Foreword
Emily K. Cooke and Lissa L. Broome

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Regulatory Loan Forbearance in the Banking Industry
Reginald T. O'Shields and William C. Handorf

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Best Practices for Security and Perfection in Digital Infrastructure Assets
Michael Urschel and Kathryn Weiss

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Rethinking Intellectual Property Risk in the Fourth Industrial Revolution
Danielle Williams and Kerrie Edmondson

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The Federal Eviction Moratoria Following COVID-19 and its Effects on Landlords, Renters, and the Economy
Morgan E. Mumford

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More Money More Problems: Examining the Impact of the Anti-Money Laundering Act of 2020 on Banks and Regulators
Samuel J. Rier

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Form Over Function: How Collins v. Yellen Signals a Threat to the Independence of Multimember Financial Regulatory Agencies
Adam C. Gillette

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Green Haircuts: Federal Risk Collateral Framework Policies That Incorporate Climate Risk
Benjamin J. Marsico

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The Hack of the Racial Wealth Gap: How the "American Families Plan" Will Jeopardize the Anonymity of Cryptocurrency Transactions and Potentially Harm Investors of Color
Asha E. McCorvey

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Are Community Banks the Answer? An In-Depth Look at a Possible Solution to the Unbanked Problem in the United States
Avery E. Aulds

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Special Purpose Acquisition Companies and the PSLRA's Safe Harbor for Forward Looking Statements
Elizabeth A. Nelson

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Not Your Grandpa's Trading Cards: Understanding NFTs in Professional Sports and Why Some May Be Considered Securities
Tucker P. Sutlive

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Open Banking: The CFPB Should Follow the European Regulatory Regime
Sara C. Markov

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NC Regulatory Sandbox Act: Encouraging Innovation Despite Missing Some Opportunities
John W. Harris