"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, 2007

Commissioner Joseph A. Smith, Jr.'s Swearing In Speech
May 23, 2007

Remarks Delivered to the 3rd Annual Anti-Terrorist Finance Forum
By Joseph A. Smith, Jr., Commissioner of Banks
SAS World Headquarters
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
May 4, 2006

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

"Presentation to the Statewide Conference on Financial Literacy and Asset Building"
By Joseph A. Smith, Jr., Commissioner of Banks
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

"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