Law Commons^™

The U.S. Dual Banking System And Interest Rate Exportation: Challenging The Valid-When-Made Doctrine In California V. Office Of The Comptroller Of The Currency, Todd P. Stephenson

Georgia State University Law Review

This Comment explores the extension of interest rate exportation to nonbank entities through the valid-when-made doctrine and its subsequent legal challenge in the 2022 court case California v. OCC.

Hb 192 - Banking And Finance, Caroline G. Mayson, Jesse C. Moore

Georgia State University Law Review

The Act changes the provisions relating to the responsibilities and standard of care for directors and officers of banks, trust companies, and corporations. The Act codifies the business judgment rule. The operative liability standard for directors and officers is gross negligence, as opposed to simple negligence, and directors and officers may rely on other individuals in the performance of their duties. A rebuttable presumption exists that directors and officers act in good faith.

Foreclosure Diversion And Mediation In The States, Alan M. White

Georgia State University Law Review

The recent mortgage foreclosure crisis, whose economic effects are well known, transformed state legal structures governing the mortgage foreclosure process. What had been a relatively routine system of default judgments and auction sales has evolved into a negotiation and workout practice in which homeowners contest foreclosures, demand loan modifications and short sales, and propose other alternatives to foreclosures.

A profusion of state laws and court orders were adopted between 2008 and 2014 with the aim of promoting negotiated foreclosure alternatives. These laws have produced a variety of experiments in the “laboratories of democracy.” The defaults—whether home loans are renegotiated, defaults …

Banking And Finance Financial Institutions: Provide For Licensing Of Mortgage Lenders And Mortgage Brokers, J. Antonio Delcampo

Georgia State University Law Review

The Act sets forth guidelines for the licensing and regulation of mortgage brokers and mortgage bankers by the state Department of Banking and Finance (Department). The Act calls for the Department to investigate mortgage companies and individual bankers applying for licenses and to review their lending practices before renewing licenses. A person convicted of violating the Act is guilty of a misdemeanor punishable by imprisonment for less than a year, by a fine not exceeding $1000, or by both.

European And Global Harmonization Of The Law Of Banking Transactions, Uwe H. Schneider

Georgia State University Law Review

No abstract provided.

Supervision Of International Banking Post-Bcci, Hal S. Scott

Georgia State University Law Review

No abstract provided.

Banking And Finance Credit Cards: Provide For Deregulation, J. Cronin

Georgia State University Law Review

The Act deregulates banking laws governing bank credit cards issued in Georgia. Deregulation is accomplished by eliminating the eighteen percent ceiling on interest rates, the twelve dollar annual fee limit, and other rate and fee limitations on credit cards issued in Georgia. The Act also permits out-of-state financial institutions to establish limited purpose credit card banks in Georgia. March 19, 1987