"Financial Literacy, Regulation and Consumer Welfare"
By Joseph A. Smith, Jr., Commissioner of Banks, Published, North Carolina Banking Institute Journal, Vol. 8
April 2004

Consumer/Real Estate Lending Law Forum
By 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 2003

Commissioner Joseph A. Smith, Jr.'s Swearing In Speech   
August 21, 2003