"House Select Committee on Rising Home Foreclosures"By Mark E. Pearce, North Carolina Deputy Commissioner of BanksJanuary 23, 2008
"Accelerating Loan Modifications, Improving Foreclosure Prevention, And Enhancing Enforcement"Testimony of Mark Pearce, North Carolina Deputy Commissioner of BanksOn behalf of the Conference of State Bank SupervisorsBefore the Committee on Financial Services, US House of RepresentativesDecember 6, 2007"Getting A Mortgage - Not just a pair of shoes"By Mark E. Pearce, North Carolina Deputy Commissioner of BanksPublished in Carolina Banker, Winter 2007"The Mortgage Market In Recovery: Some Suggestions For A Possible Future"By Joseph A. Smith, Jr., North Carolina Commissioner of BanksMortgage Outlook 2008 ConferenceNovember 30, 2007"Opening Statement of Mark E. Pearce, Deputy Commissioner of Banks, at Public Hearing on the Home Ownership and Equity Protection Act of 1994 before Board of Governors of the Federal Reserve System"CSBS Model DisclosureExplanatory Statement for Model DisclosureJune 14, 2007"Mortgage Market Turmoil: Causes and Consequences"By Joseph A. Smith, Jr., Commissioner of BanksOn behalf of the Conference of State Bank SupervisorsBefore the Senate Committee on Banking, Housing and Urban Affairs, United States SenateMarch 22, 2007"Remarks Presented to the Annual Conference of North Carolina Association of Mortgage Professionals"By Joseph A. Smith, Jr., Commissioner of BanksMarch 6, 2006"Testimony by Commissioner Smith at the House Select Committee on Home Foreclosures"February 28, 2006"Legislative Solutions to Abusive Mortgage Lending Practices"By Joseph A. Smith, Jr., Commissioner of Banks, Presented before the Congressional Subcommittees on Housing and Community Opportunity and Financial Institutions and Consumer CreditMay 24, 2005
"The North Carolina Mortgage Lending Act: Results Of The First Year, Challenges To Come"By Joseph A. Smith, Jr., Commissioner of Banks, Address to Charlotte Area Mortgage LendersNovember 6, 2003Comment letter on "Proposed Rulemaking/Mortgage Lending" By Joseph A. Smith, Jr., Commissioner of Banks, to the OCC October 2, 2003"Mortgage Lending Act Report" By Joseph A. Smith, Jr., Commissioner of Banks, to The GovernorSeptember 23, 2003"Regulation Of Mortgage Lending In North Carolina: Where We Are And Where We Are Going"By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the North Carolina Association of Mortgage ProfessionalsMarch 3, 2003
"North Carolina's Predatory Lending Law Its Adoption And Implementation"By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the National Conference of State Legislatures Annual MeetingJuly 26, 2002