University of North Carolina School of Law

Wallace, Clint

Wells, Bret

The Past and Future of Taxing  Incomes

North Carolina Banking Institute

NORTH CAROLINA BANKING 
INSTITUTE 
Volume 29 Issue 1 Article 1 
3-1-2025 
Contents 
North Carolina Banking Institute 
Follow this and additional works at: https://scholarship.law.unc.edu/ncbi 
 Part of the Law Commons 
Recommended Citation 
North Carolina Banking Institute, Contents, 29 N.C. BANKING INST. (2025). 
Available at: https://scholarship.law.unc.edu/ncbi/vol29/iss1/1 
This Front Matter is brought to you for free and open access by Carolina Law Scholarship Repository. It has been 
accepted for inclusion in North Carolina Banking Institute by an authorized editor of Carolina Law Scholarship 
Repository. For more information, please contact law_repository@unc.edu. 
 
North Carolina 
Banking Institute 
VOLUME 29 MARCH 2025 
CONTENTS 
 
ARTICLES & REMARKS 
  
Effective Legal Challenge to Agency Action: Litigating Against the 
CFPB in the Post-Chevron Environment …… LUCY C. BARTHOLOMEW  1 
 
Banking on Administrative Law: How the Supreme Court’s 2023–2024 
Term Affects Banks …………………... DAVID F. FREEMAN, JR. ET AL. 44 
 
Color in Line: Discrimination Against People of Color at the Deposit 
Window ………………………………………... MARK B. GREENLEE  102 
 
An Analysis of FDIC Misrepresentation Prevention Through the Lens of 
the Lanham Act ……………………………… JOSHUA S. ALMOND 181 
 
NOTES & COMMENTS 
 
I. DEBATING BANKING REGULATION 
 
National Bank Preemption After Cantero v. Bank of America: Are State 
Fair Access Laws Preempted? …………………. KALLIE A. BERGERS 209 
 
Bank Mergers and Acquisitions: Diverging Agency Guidance 
…………………………………………...…. BIANCA R. SERAFANO 244 
 
Scope 3 Emissions Disclosures for Banks, With or Without the SEC 
…………………………………………………. KALYSTA A. STRAUSS 275 
 
II. FINANCIAL PRODUCTS AND CONSUMER PROTECTION 
 
Medical Debt Regulation and Law: Effects on Consumers and Industry 
…………………….…………………………… JULIAN C. SURPRISE 307 
 
Paycheck Advance Products: Early Access to Wages or a Credit 
Product? ….……………………..….……………. LAUREN M. SLACK 341 
 
Can Personal Identification Information be Collected on Online 
Purchases under California’s Song-Beverly Credit Card Act? 
..………………...……………………………… JOHN B. LAFAVE III 369 
 
III. FINANCIAL REGULATION POST-JARKESY 
 
Administrative Law Judges and Removal Protections: An Article II 
Battle Not Resolved by Jarkesy …………………..… EMILY KAPLAN 412 
 
 
 
 
IV. IMPLICATIONS OF THE CRA’S FINAL RULE 
 
Community Reinvestment Act Final Rule: Expanding the CRA to Cover 
Digital Banking .……………………………… SARAH M. CAMPBELL 444 
 
Incentivizing LIHTC Development in Rural CRA Deserts 
…….………………………………………..…… KRISTINA E. SMITH 480 
 
V. LIABILITY IN BANKING AND FINANCE 
 
The Validity of Consensual Third-Party Releases Post-Purdue Pharma 
………………………………………………….. JACKSON E. FISHER 517 
 
The Advice of Counsel Defense: No Longer a Fraudster’s Shield 
………………………………...….………….…. MAXWELL NEWMAN 558 


English

Bartholomew, Lucy C.

Effective Legal Challenge to Agency Action: Litigating Against the CFPB in the Post-\u3ci\u3eChevron\u3c/i\u3e Environment

Lafave, John B., III

Can Personal Identification Information be Collected on Online Purchases under California’s Song-Beverly Credit Card Act?

Campbell, Kristina M.

“Gruesome Logic”: The Tucson No More Deaths Prosecutions and Religious Liberty

North Carolina Journal of International Law

NORTH CAROLINA JOURNAL OF 
INTERNATIONAL LAW 
Volume 50 Number 2 Article 1 
5-1-2025 
Contents 
North Carolina Journal of International Law 
Follow this and additional works at: https://scholarship.law.unc.edu/ncilj 
 Part of the Law Commons 
Recommended Citation 
North Carolina Journal of International Law, Contents, 50 N.C. J. INT'L L. (). 
Available at: https://scholarship.law.unc.edu/ncilj/vol50/iss2/1 
This Front Matter is brought to you for free and open access by Carolina Law Scholarship Repository. It has been 
accepted for inclusion in North Carolina Journal of International Law by an authorized editor of Carolina Law 
Scholarship Repository. For more information, please contact law_repository@unc.edu. 
CONTENTS
ARTICLES
A History of Security Rights in Personal Property from
the Pledge to Bitcoin by Way of UNCITRAL’s
Universalization of Principles.................................203
Henry Deeb Gabriel
Staging an Intervention for Rogue States .......................263
Shai Dothan
Nullification and Secession in the EU constitutional order
of States...................................................................293
Giuseppe Martinico & Nikos Skoutaris
The Taliban’s ‘Gender Apartheid’: The Reality of
Women in Afghanistan ...........................................349
Hannah Litty


Kang, Meyke A.

Incentivizing Lower Drug Prices Through Patent Extension

Matthews-Jolly, Laura

Visitation as Family Regulation

Silver, Dylan T.

Dead in the Water: A Critique of the Fourth Circuit’s Major Questions Analysis in \u3ci\u3eNorth Carolina Coastal Fisheries Reform Group v. Capt. Gaston LLC\u3c/i\u3e

Turk, Kathryn

The Perils of Partisanship in Judicial Ethics: Analyzing Legislative Changes to the Membership of the North Carolina Judicial Standards Commission

University of North Carolina Hospitals

Not a member yet

The Past and Future of Taxing Incomes

Contents