"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
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