"The State of North Carolina Banks"
Remarks of Joseph A. Smith, Jr., North Carolina Commissioner of Banks
N.C. Senate Commerce Committee
March 3, 2009

"Report to Joint Legislative Commission on Governmental Operations regarding the Emergency Program to Reduce Foreclosures"
February 13, 2009

"Smiling Through The Appocalypse"
Remarks of Joseph A. Smith, Jr., North Carolina Commissioner of Banks
North Carolina Bankers Association Annual Meeting
June 23, 2008

"House Select Committee on Rising Home Foreclosures"
By Mark E. Pearce, North Carolina Deputy Commissioner of Banks
January 23, 2008

"Accelerating Loan Modifications, Improving Foreclosure Prevention, And Enhancing Enforcement"
Testimony of Mark Pearce, North Carolina Deputy Commissioner of Banks
On behalf of the Conference of State Bank Supervisors
Before the Committee on Financial Services, US House of Representatives
December 6, 2007

"Getting A Mortgage - Not just a pair of shoes"
By Mark E. Pearce, North Carolina Deputy Commissioner of Banks
Published in Carolina Banker, Winter 2007

"The Mortgage Market In Recovery: Some Suggestions For A Possible Future"
By Joseph A. Smith, Jr., North Carolina Commissioner of Banks
Mortgage Outlook 2008 Conference
November 30, 2007

"Remarks of North Carolina Commissioner of Banks Joseph A. Smith, Jr. to the 2006-2007 Annual Meeting Luncheon of Consumer Credit Counseling Services of Forsyth County"
September 21, 2007

"Remarks of Commissioner Joseph A. Smith, Jr. to the North Carolina Bankers Association CFO Symposium"
August 29, 2007

"Opening Statement of Mark E. Pearce, Deputy Commissioner of Banks, at Public Hearing on the Home Ownership and Equity Protection Act of 1994 before Board of Governors of the Federal Reserve System"
CSBS Model Disclosure
Explanatory Statement for Model Disclosure
June 14, 2007

"Remarks of Commissioner Joseph A. Smith, Jr. to the North Carolina Bankers Association Annual Meeting"
June 11, 2007

Commissioner Joseph A. Smith, Jr.'s Swearing In Speech
May 23, 2007

"Mortgage Market Turmoil: Causes and Consequences"
By Joseph A. Smith, Jr., Commissioner of Banks
On behalf of the Conference of State Bank Supervisors
Before the Senate Committee on Banking, Housing and Urban Affairs, United States Senate
March 22, 2007

Remarks Delivered To The 3rd Annual Anti-Terrorist Finance Forum
By Joseph A. Smith, Jr., Commissioner of Banks
SAS World Headquarters
November 7, 2006

"THE FINANCIAL CONSTITUTION: PAST, PRESENT AND FUTURE"
By Joseph A. Smith, Jr., Commissioner of Banks
Address delivered at the Thacher Proffitt & Wood Conference
Financial Services 2006
May 4, 2006

"Remarks Presented to the Annual Conference North Carolina Association of Mortgage Professional"
By Joseph A. Smith, Jr., Commissioner of Banks
March 6, 2006

"Testimony by Commissioner Smith at the House Select Committee on Home Foreclosures"
February 28, 2006

"Charlotte Saves"
By Joseph A. Smith, Jr., Commissioner of Banks
Remarks delivered at Community Partnership Luncheon
January 24, 2006

"Presentation to the Statewide Conference on Financial Literacy and Asset Building"
By Joseph A. Smith, Jr., Commissioner of Banks
September 27, 2005

"Banking the Unbanked"
A slide presentation by Commissioner Joseph A. Smith, Jr. given at a workshop as part of the Financial Literacy Conference
September 27, 2005

"Transforming Tax Refunds into Assets: A Panel Survey of Vita Clients"
By Jon Spader, Janneke Ratcliffe, and Michael A. Stegman
August 5, 2005

"Legislative Solutions to Abusive Mortgage Lending Practices"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented before the Congressional Subcommittees on Housing and Community Opportunity and Financial Institutions and Consumer Credit
May 24, 2005

"Banking In North Carolina And Beyond: Snapshots, Speculations And Proposed Next Steps"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to Banking Law Institute University of North Carolina Law School,
April 7, 2005

"How Has State Legislation Affected The North Carolina Mortgage Market?"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the Consumer / Real Estate Lending Law Forum
Mecklenburg County Bar Association
February 17, 2005

"Thoughts on Diversity of Bank Boards of Directors"
By Joseph A. Smith, Jr., Commissioner of Banks, and David B. Hanson, Deputy Commissioner of Banks, Published in BankNotes 
February 2005