"Regulating Mortgage Lending: What's Working, What Needs To Change"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the Myers Park Country Club, Charlotte, North Carolina
November 04, 2004

"Regulation of the State's Mortgage Lending Industry"
By Joseph A. Smith, Jr., Commissioner of Banks, to The Governor
September 09, 2004

"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 Lenders
November 6, 2003

Comment 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 Governor
September 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 Professionals, Pinehurst, North Carolina
March 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 Meeting, Denver, Colorado
July 26, 2002