"Financial Literacy, Regulation and Consumer Welfare"By Joseph A. Smith, Jr., Commissioner of Banks, Published, North Carolina Banking Institute Journal, Vol. 8 April 2004Consumer/Real Estate Lending Law ForumBy Joseph A. Smith, Jr., Commissioner of Banks, Address to Mecklenburg County Bar Association, Charlotte, North Carolina February 12, 2004"Federal and State Regulation of Financial Services:Competition and the Search for Comity"By Joseph A. Smith, Jr.,Commissioner of Banks, Published, Consumer Finance Law Quarterly Report, Vol. 57 Nos. 2-4 Spring-Fall 2003Commissioner Joseph A. Smith, Jr.'s Swearing In Speech August 21, 2003