"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
Washington, DC
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
American Conference Center
New York, New York
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"
Winston-Salem, North Carolina
September 21, 2007

"Remarks of Commissioner Joseph A. Smith, Jr. to the North Carolina Bankers Association CFO Symposium"
Greensboro, North Carolina
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
Washington, DC
June 14, 2007

"Remarks of Commissioner Joseph A. Smith, Jr. to the North Carolina Bankers Association Annual Meeting"
Palm Beach, Florida
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
Washington, DC
March 22, 2007

Remarks Delivered To The 3rd Annual Anti-Terrorist Finance Forum
By Joseph A. Smith, Jr., Commissioner of Banks
SAS World Headquarters
Cary, North Caroliina
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
New York, New York
May 4, 2006

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

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

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

"Presentation to the Statewide Conference on Financial Literacy and Asset Building"
By Joseph A. Smith, Jr., Commissioner of Banks
Chapel Hill, North Carolina
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
Chapel Hill, North Carolina
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, Washington D.C.
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, Charlotte, North Carolina
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