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30 N.C. Bank. Inst. [i] (2026)

handle is hein.journals/ncbj30 and id is 1 raw text is: North Carolina Banking Institute VOLUME 30 MARCH 2026 CONTENTS ARTICLES & REMARKS Thirty Years, Give or Take: Reflections on My Life in Banking ............................................................ JOSEPH A . SM ITH , JR. 1 NOTES & COMMENTS I. FEDERAL RESERVE INDEPENDENCE AND CONSTITUTIONAL CONSTRAINTS The Fed Exception: Why the Federal Reserve's Monetary Power Should Stay Independent Amidst the Demise of Humphrey 's Executor ................................................................CORY CARPENTER 28 Self-Regulation Under Scrutiny: FINRA's Enforcement Power and the Private Nondelegation Doctrine .............................................................GABRIEL I PORGES 77 II. FINANCIAL MARKET INNOVATION AND GOVERNMENT OVERSIGHT Payment Stablecoin Holders First in Line: GENIUS Act Amendments to the Bankruptcy Code Threaten Debtor-PPSI's Ability to Reorganize Successfully ............. .........MAKENZIE R. LEONARD 108 The One Big Beautiful Bill Act's Tax Exclusion for Interest Income on Agricultural Loans: A Windfall for Lenders? ......................................................CLAYTON T. HENDERSON 147 III. THE EVOLUTION OF FINANCIAL MARKETS AND LEGISLATIVE RESPONSE Regulating Big-Bank Capital: Legal Vulnerabilities of the Enhanced Supplementary Leverage Ratio Reform......................KAVITA KAY 186 Financial Data Security in the Quantum Age: Evaluating the Effectiveness of the Gramm-Leach-Bliley Act's Safeguards Rule .............................................................SHIVAN M OODLEY 230 Private Credit Growth and Systemic Importance: Evaluating the Case for Nonbank SIFI Status............................. ANDREW T SUMICHRAST 271 IV. CONSUMER CREDIT, FRAUD, AND FINANCIAL PROTECTION Refraining Furnisher Obligations Under the FCRA: Roberts v. Carter- Young and the Objectively and Readily Verifiable Standard ..................................................... GABRIELLE R . LANOUE 312