"House Select Committee on Rising Home Foreclosures"
By Mark E. Pearce, North Carolina Deputy Commissioner of Banks
January 23, 2008

"Accelerating Loan Modifications, Improving Foreclosure Prevention, And Enhancing Enforcement"
Testimony of Mark Pearce, North Carolina Deputy Commissioner of Banks
On behalf of the Conference of State Bank Supervisors
Before the Committee on Financial Services, US House of Representatives
December 6, 2007

"Getting A Mortgage - Not just a pair of shoes"
By Mark E. Pearce, North Carolina Deputy Commissioner of Banks
Published 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 Banks
Mortgage Outlook 2008 Conference
November 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 Disclosure
Explanatory Statement for Model Disclosure
June 14, 2007

"Mortgage Market Turmoil: Causes and Consequences"
By Joseph A. Smith, Jr., Commissioner of Banks
On behalf of the Conference of State Bank Supervisors
Before the Senate Committee on Banking, Housing and Urban Affairs, United States Senate
March 22, 2007

"Remarks Presented to the Annual Conference of North Carolina Association of Mortgage Professionals"
By Joseph A. Smith, Jr., Commissioner of Banks
March 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 Credit
May 24, 2005

"How Has State Legislation Affected The North Carolina Mortgage Market?"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the Consumer / Real Estate Lending Law Forum
Mecklenburg County Bar Association
February 17, 2005

"Regulating Mortgage Lending: What's Working, What Needs To Change"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the Charlotte area Mortgage Lenders 
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
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
July 26, 2002