"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, 2007Commissioner Joseph A. Smith, Jr.'s Swearing In SpeechMay 23, 2007Remarks Delivered to the 3rd Annual Anti-Terrorist Finance ForumBy Joseph A. Smith, Jr., Commissioner of BanksSAS World HeadquartersNovember 7, 2006"THE FINANCIAL CONSTITUTION: PAST, PRESENT AND FUTURE"By Joseph A. Smith, Jr., Commissioner of BanksAddress delivered at the Thacher Proffitt & Wood ConferenceFinancial Services 2006May 4, 2006"Charlotte Saves"By Joseph A. Smith, Jr., Commissioner of BanksRemarks delivered at Community Partnership LuncheonJanuary 24, 2006"Presentation to the Statewide Conference on Financial Literacy and Asset Building"By Joseph A. Smith, Jr., Commissioner of BanksSeptember 27, 2005"Transforming Tax Refunds into Assets: A Panel Survey of Vita Clients"By Jon Spader, Janneke Ratcliffe, and Michael A. StegmanAugust 5, 2005"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 AssociationFebruary 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. 2-4Spring-Fall 2003Commissioner Joseph A. Smith, Jr.'s Swearing In Speech August 21, 2003