Yale Law School 2006–2007
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Of Community Banking: the Continued Importance of Local Institutions Bob Solomon UC Irvine School of Law
UC Irvine Law Review Volume 2 Issue 3 Business Law as Public Interest Law / Article 8 Searching for Equality: A Conference on Law, Race, and Socio-Economic Class 12-2012 The alF l (and Rise?) of Community Banking: The Continued Importance of Local Institutions Bob Solomon UC Irvine School of Law Follow this and additional works at: https://scholarship.law.uci.edu/ucilr Part of the Banking and Finance Law Commons Recommended Citation Bob Solomon, The Fall (and Rise?) of Community Banking: The Continued Importance of Local Institutions, 2 U.C. Irvine L. Rev. 945 (2012). Available at: https://scholarship.law.uci.edu/ucilr/vol2/iss3/8 This Article and Essay is brought to you for free and open access by UCI Law Scholarly Commons. It has been accepted for inclusion in UC Irvine Law Review by an authorized editor of UCI Law Scholarly Commons. UCILR V2I3 Assembled v8 (Do Not Delete) 12/14/2012 5:35 PM The Fall (and Rise?) of Community Banking: The Continued Importance of Local Institutions Bob Solomon* Introduction ..................................................................................................................... 945 I. The Reality of Bank Concentration .......................................................................... 946 II. Four Principles ........................................................................................................... 950 III. ShoreBank—The Model for Community Development Banking ................... 955 IV. The Difficulties of Starting a De Novo Bank— The New Haven Experience ........................................................................... -
Yale Law School 2010–2011
BULLETIN OF YALE UNIVERSITY BULLETIN OF YALE UNIVERSITY Periodicals postage paid New Haven ct 06520-8227 New Haven, Connecticut Yale Law School 2010–2011 Yale Law School Yale 2010–2011 BULLETIN OF YALE UNIVERSITY Series 106 Number 10 August 10, 2010 BULLETIN OF YALE UNIVERSITY Series 106 Number 10 August 10, 2010 (USPS 078-500) The University is committed to basing judgments concerning the admission, education, is published seventeen times a year (one time in May and October; three times in June and employment of individuals upon their qualifications and abilities and a∞rmatively and September; four times in July; five times in August) by Yale University, 2 Whitney seeks to attract to its faculty, sta≠, and student body qualified persons of diverse back- Avenue, New Haven CT 0651o. Periodicals postage paid at New Haven, Connecticut. grounds. In accordance with this policy and as delineated by federal and Connecticut law, Yale does not discriminate in admissions, educational programs, or employment against Postmaster: Send address changes to Bulletin of Yale University, any individual on account of that individual’s sex, race, color, religion, age, disability, PO Box 208227, New Haven CT 06520-8227 status as a special disabled veteran, veteran of the Vietnam era, or other covered veteran, or national or ethnic origin; nor does Yale discriminate on the basis of sexual orientation Managing Editor: Linda Koch Lorimer or gender identity or expression. Editor: Lesley K. Baier University policy is committed to a∞rmative action under law in employment of PO Box 208230, New Haven CT 06520-8230 women, minority group members, individuals with disabilities, special disabled veterans, veterans of the Vietnam era, and other covered veterans. -
Yale Law School 2007-2008
bulletin of yale university bulletin of yale Series 1o3 8 Number 10, 2007 August 2007–2008 Yale Law School Yale bulletin of yale university August 10, 2007 Yale Law School Periodicals postage paid Periodicals Connecticut Haven, New 06520-8227 CT New Haven Haven New bulletin of yale university bulletin of yale Bulletin of Yale University The University is committed to basing judgments concerning the admission, education, and employment of individuals upon their qualifications and abilities and a∞rmatively Postmaster: Send address changes to Bulletin of Yale University, seeks to attract to its faculty, sta≠, and student body qualified persons of diverse back- PO Box 208227, New Haven CT 06520-8227 grounds. In accordance with this policy and as delineated by federal and Connecticut law, Yale does not discriminate in admissions, educational programs, or employment PO Box 208230, New Haven CT 06520-8230 against any individual on account of that individual’s sex, race, color, religion, age, Periodicals postage paid at New Haven, Connecticut disability, status as a special disabled veteran, veteran of the Vietnam era, or other covered veteran, or national or ethnic origin; nor does Yale discriminate on the basis of Issued seventeen times a year: one time a year in May, November, and December; sexual orientation or gender identity or expression. two times a year in June; three times a year in July and September; six times a year University policy is committed to a∞rmative action under law in employment of in August women, minority group members, individuals with disabilities, special disabled veterans, veterans of the Vietnam era, and other covered veterans. -
Books in Print Here’S Just a Sampling of the Many Other Books Recently Jack Fuller, Editor Written Or Edited by Our Alumni, Faculty, Staff, and Students
14 15 yale law report summer 2013 books in print Here’s just a sampling of the many other books recently Jack Fuller, Editor written or edited by our alumni, faculty, staff, and students. Restoring Justice: The Speeches of We welcome your submissions. Attorney General Edward H. Levi Please contact us: [email protected]. University of Chicago Press, 2013 Fuller ’73 has selected speeches by Levi ’38 jsd that set out the Jonathan R. Macey ’82, attorney general’s view of the Logan Beirne considerable challenges he Sam Harris Professor of Corporate Law, Corporate Finance, and Securities Law Blood of Tyrants: faced: restoring public confi- The Death of Corporate Reputation: George Washington & the Forging dence through discussion and How Integrity Has Been Destroyed on Wall Street of the Presidency Anupam Chander acts of justice, combating the Financial Times Press, 2013 Encounter Books, 2013 The Electronic Silk Road: corrosive skepticism of the How the Web Binds the World Together For more than a century, companies credit rating agencies and law firms, among other Wall Delving into the forgot- time, and ensuring that the executive branch in Commerce would behave judicially. Also included are seeking access to the U.S. markets made huge investments Street mainstays, continue to thrive despite reputations for ten—and often lurid—facts of the revolutionary war, Yale University Press, 2013 addresses and Congressional testimonies that in their reputations. In order to cultivate and maintain rep- incompetence or shady dealings or simply for putting their Beirne ’11 focuses on George speak to issues that were hotly debated at the utations as faithful brokers and intermediaries they treated own interests ahead of their customers. -
Yale Law School 2019–2020
BULLETIN OF YALE UNIVERSITY BULLETIN OF YALE BULLETIN OF YALE UNIVERSITY Periodicals postage paid New Haven ct 06520-8227 New Haven, Connecticut Yale Law School 2019–2020 Yale Law School Yale 2019–2020 BULLETIN OF YALE UNIVERSITY Series 115 Number 11 August 10, 2019 BULLETIN OF YALE UNIVERSITY Series 115 Number 11 August 10, 2019 (USPS 078-500) The University is committed to basing judgments concerning the admission, education, is published seventeen times a year (one time in May and October; three times in June and employment of individuals upon their qualifications and abilities and a∞rmatively and September; four times in July; five times in August) by Yale University, 2 Whitney seeks to attract to its faculty, sta≠, and student body qualified persons of diverse Avenue, New Haven CT 06510. Periodicals postage paid at New Haven, Connecticut. backgrounds. In accordance with this policy and as delineated by federal and Connecticut law, Yale does not discriminate in admissions, educational programs, or employment Postmaster: Send address changes to Bulletin of Yale University, against any individual on account of that individual’s sex, race, color, religion, age, PO Box 208227, New Haven CT 06520-8227 disability, status as a protected veteran, or national or ethnic origin; nor does Yale discriminate on the basis of sexual orientation or gender identity or expression. Managing Editor: Kimberly M. Go≠-Crews University policy is committed to a∞rmative action under law in employment of Editor: Lesley K. Baier women, minority group members, individuals with disabilities, and protected veterans. PO Box 208230, New Haven CT 06520-8230 Inquiries concerning these policies may be referred to Valarie Stanley, Director of the O∞ce for Equal Opportunity Programs, 221 Whitney Avenue, 4th Floor, 203.432.0849. -
Small Business Banking Issues
Comptroller of the Currency Administrator of National Banks Small Business Banking Issues A National Forum Sponsored by the Office of the Comptroller of the Currency Renaissance Washington Hotel Washington, D.C. February 5, 1998 Acknowledgments The Office of the Comptroller would like to express its appreciation to the speakers at the Small Business Banking Issues Forum, whose presentations are summarized here. Appreciation is also extended to the forum attendees, listed in Appendix A of this publication, for their questions, comments, and experiences shared about small business banking. The project was developed to enable bankers and small busi- ness owners to learn about successful programs, techniques, and strategies relevant to small business banking that could be replicated in their own communities. OCC staff contributing to the planning and conduct of the forum included: Janice A. Booker, director, Community Devel- opment Division (CDD); Yvonne McIntire, senior attorney, Community and Consumer Law; Denise Kirk-Murray, commu- nity reinvestment and development specialist, Community and Consumer Policy Division; Alfred T. Mitchell, community development specialist, CDD; Glenda Cross, director, Minority and Urban Affairs; John Turner, national bank examiner, Credit Risk; and Jacquelyn C. Allen, community development specialist, CDD. Lillian M. Long, program coordinator, CD Investments Program, CDD, served as project leader. Adminis- trative assistance was provided by Tawanda Hudge and Lisa Hemphill, CDD. The Communications Division, particularly Amy A. Millen, senior editor, and Rick Progar, publications liaison officer, helped to bring this publication to fruition. The OCC welcomes your comments or questions about this publication. Please write to the Community Development Division, Office of the Comptroller of the Currency, 250 E Street, SW, Washington, DC 20219, or call (202) 874-4940. -
Strengthening and Streamlining Prudential Bank Supervision Hearing
S. HRG. 111–407 STRENGTHENING AND STREAMLINING PRUDENTIAL BANK SUPERVISION HEARING BEFORE THE COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS UNITED STATES SENATE ONE HUNDRED ELEVENTH CONGRESS FIRST SESSION ON STRENGTHENING AND STREAMLINING PRUDENTIAL BANK SUPER- VISION TO BETTER PROVIDE THE SAFETY, SOUNDNESS, AND STA- BILITY OF THE FINANCIAL MARKETS AUGUST 4 AND SEPTEMBER 29, 2009 Printed for the use of the Committee on Banking, Housing, and Urban Affairs ( Available at: http://www.access.gpo.gov/congress/senate/senate05sh.html U.S. GOVERNMENT PRINTING OFFICE 56–376 PDF WASHINGTON : 2010 For sale by the Superintendent of Documents, U.S. Government Printing Office Internet: bookstore.gpo.gov Phone: toll free (866) 512–1800; DC area (202) 512–1800 Fax: (202) 512–2104 Mail: Stop IDCC, Washington, DC 20402–0001 COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS CHRISTOPHER J. DODD, Connecticut, Chairman TIM JOHNSON, South Dakota RICHARD C. SHELBY, Alabama JACK REED, Rhode Island ROBERT F. BENNETT, Utah CHARLES E. SCHUMER, New York JIM BUNNING, Kentucky EVAN BAYH, Indiana MIKE CRAPO, Idaho ROBERT MENENDEZ, New Jersey MEL MARTINEZ, Florida DANIEL K. AKAKA, Hawaii BOB CORKER, Tennessee SHERROD BROWN, Ohio JIM DEMINT, South Carolina JON TESTER, Montana DAVID VITTER, Louisiana HERB KOHL, Wisconsin MIKE JOHANNS, Nebraska MARK R. WARNER, Virginia KAY BAILEY HUTCHISON, Texas JEFF MERKLEY, Oregon JUDD GREGG, New Hampshire MICHAEL F. BENNET, Colorado EDWARD SILVERMAN, Staff Director WILLIAM D. DUHNKE, Republican Staff Director AMY S. FRIEND, Chief Counsel DEAN V. SHAHINIAN, Senior Counsel CHARLES YI, Senior Policy Adviser BRIAN FILIPOWICH, Legislative Assistant DEBORAH KATZ, OCC Detailee MATTHEW GREEN, FDIC Detailee MARK JICKLING, CRS Detailee MARK OESTERLE, Republican Chief Counsel JIM JOHNSON, Republican Counsel ANDREW J. -
The John M. Olin Fellowships and the Advancement of Conservatism in Legal Academia
THE JOHN M. OLIN FELLOWSHIPS AND THE ADVANCEMENT OF CONSERVATISM IN LEGAL ACADEMIA “[I]t is merely a question of time until the views now held by the intellectuals become the governing force of politics.”1—F.A. Hayek INTRODUCTION In his 2008 book The Rise of the Conservative Legal Movement, Johns Hopkins Professor Steven M. Teles stated, “It is still too early to tell whether the [John M.] Olin Fellows2 program has been effective, and in any case it is very difficult to disentangle the impact of the program from the influence of a changed le- gal culture or greater willingness of law schools to consider hir- ing conservatives.”3 The fellowship program, which provides conservatives or moderates interested in entering the legal academy with a one to two year, fully-funded position at a law school,4 is a joint venture of sorts between the Federalist Society and the John M. Olin Foundation, an organization better known in law schools for its advancement of law and econom- ics programs. Since 1997, the John M. Olin Fellowship has sought to encourage and assist conservatives and libertarians in becoming law professors.5 In investigating the theory that a changed legal culture at least partially explained the John M. Olin Fellows’ placement success- es in the academy, Professor Teles looked to Harvard Law School and cited then-Dean Elena Kagan’s hiring of three con- servatives to the law school faculty—Professors John F. Man- ning, Jack Goldsmith, and Adrian Vermeule.6 During her tenure, 1. F.A. Hayek, The Intellectuals and Socialism, in THE INTELLECTUALS: A CONTRO- VERSIAL PORTRAIT 371 (George B. -
A Yale Book of Numbers, 1976 – 2000
A Yale Book of Numbers, 1976 – 2000 Update of George Pierson’s original book A Yale Book of Numbers, Historical Statistics of the College and University 1701 – 1976 Prepared by Beverly Waters Office of Institutional Research For the Tercentennial’s Yale Reference Series August, 2001 Table of Contents A Yale Book of Numbers - 1976-2000 Update Section A: Student Enrollments/Degrees Conferred -- Total University 1. Student Enrollment, 1976-1999 2. (figure) Student Enrollment, 1875-1999 3. (figure) Student Enrollment (Headcounts), Fall 1999 4. Student Enrollments in the Ivy League and MIT, 1986-1999 5. Degrees Conferred, 1977-1999 6. Honorary Degree Honorands, 1977-2000 7. Number of Women Enrolled, University-Wide, 1871-1999 8. (figure) Number of Women Enrolled University-Wide, 1871-1999 9. Milestones in the Education of Women at Yale 10. Minority and International Student Enrollment by School, 1984-1999 Section B: International Students at Yale University 1. International Students by Country and World Region of Citizenship, Fall 1999 2. (figure) International Graduate and Professional Students and Yale College Students by World Region, Fall 1999 3. (figure) International Student Enrollment, 1899-1999 4. (figure) International Students by Yale School, Fall 1999 5. International Student Enrollment, 1987-1999 6. Admissions Statistics for International Students, 1981-1999 Section C: Students Residing in Yale University Housing 1. Number of Students in University Housing, 1982-1999 2. Yale College Students Housed in Undergraduate Dormitories, 1950-1999 3. (figure) Percentage of Yale College Students Housed in the Residential Colleges, 1950-1999 Section D: Yale Undergraduate Admissions and Information on Yale College Freshmen 1. -
Book Review of Anthony Kronman's “A History of the Yale Law School”
digitalcommons.nyls.edu Faculty Scholarship Other Publications 2006 Book Review of Anthony Kronman’s “A History of the Yale Law School” William P. LaPiana New York Law School, [email protected] Follow this and additional works at: http://digitalcommons.nyls.edu/fac_other_pubs Part of the Legal Education Commons Recommended Citation 24 Law and History Review 690-692 (2006) This Article is brought to you for free and open access by the Faculty Scholarship at DigitalCommons@NYLS. It has been accepted for inclusion in Other Publications by an authorized administrator of DigitalCommons@NYLS. 690 Law and History Review, Fall 2006 simply the result of editorial choices made for the second edition. For example, Employment Division v. Smith, the 1990 case that wrenched the free exercise clause back to its Reynolds v. United States roots, is inexplicably omitted, as is the Religious Freedom Restoration Act and the Religious Land Use and Institutional- ized Persons Act, the federal laws spawned by Smith that have triggered important litigation concerning the scope of Congress's power to enforce the substance of the Fourteenth Amendment. To be sure, the essence of these developments can be gleaned from other entries, but one wonders about the wisdom of the editorial choice inherent in these omissions. It is easy to be a critic, but as Theodore Roosevelt put it, the credit belongs to the man in the arena. Much credit, then, goes to the editors of and contributors to the Oxford Companion to the Supreme Court of the United States. This encyclopedia endures as a valuable reference tool that will continue to be of aid to everyone interested in the work of the Supreme Court. -
LAW and the HUNDRED-YEAR LIFE† Anne Alstott*
LAW AND THE HUNDRED-YEAR LIFE† Anne Alstott* I want to begin with a fact. A fact that stunned me when I heard it, and a fact that motivates this lecture. Here it is: “the majority of children born in rich countries today can expect to live to more than 100.” Put another way, more than 50% of babies born in the United States today will be alive one hundred years from now.1 This isn’t a fringe statistic. It’s not from the National Enquirer. It’s a statistical proJection from social scientists at Berkeley and the Max Planck Anne Alstott is the Jacquin D. Bierman Professor in Taxation at Yale Law School. An expert in taxation and social policy, she was named a professor at Yale Law School in 1997 and orig- inally named the Jacquin D. Bierman Professor of Taxation in 2004. She served as deputy dean in 2002 and 2004 and has won the Yale Law Women teaching award three times. From 2008 to 2011, she was the Manley O. Hudson Professor of Law at Harvard Law School. Prior to coming to Yale, she taught at Columbia Law and before that, served as an attorney-advisor in the Treasury Department’s Office of Tax Legislative Counsel. Her books include; NO EXIT: WHAT PARENTS OWE CHILDREN AND WHAT SOCIETY OWES PARENTS (Oxford University Press, 2004); THE STAKEHOLDER SOCIETY (with Bruce Ackerman, Yale University Press, 1999); and TAXATION IN SIX CONCEPTS: A STUDENT’S GUIDE (CCH, 2015). Her latest book, published by Harvard in 2016, is entitled A NEW DEAL FOR OLD AGE: TOWARD A PROGRESSIVE RETIREMENT. -
Comment Letter to the OCC Concerning Figure Bank
December 7, 2020 Via Electronic Mail Mr. Louis Gittleman Director for District Licensing Western District Office 1225 17th Street, Suite 300 Denver, CO 80202 Re: Figure Bank, N.A. Charter Application Dear Mr. Gittleman: The Independent Community Bankers of America (ICBA)1 appreciates this opportunity to provide comment to the Office of the Comptroller of the Currency (OCC) regarding the de novo bank charter application by Figure Bank, National Association (Applicant) dated November 6, 2020. ICBA strongly encourages the OCC to delay consideration of the application until after it has solicited and evaluated further public comments and addressed the policy concerns expressed in this letter. Background Applicant is proposing a fully digital, branchless, de novo national bank that would be headquartered in Reno, Nevada and would be a wholly owned subsidiary of Figure Technologies, Inc. (FTI) with its principal place of business in San Francisco, California. Applicant intends to offer a wide range of consumer lending products including originating, selling, servicing and securitizing home equity loans (HELOCs), student loan refinance loans, and residential mortgage refinance loans. By leveraging a blockchain platform that was developed by FTI, Applicant intends to lower its technology costs and reduce the application-to- funding processing time for HELOC loans from an industry average of thirty days to five days as well as reduce HELOC costs by 100 basis points. Figure Group is one of the largest HELOC providers in the country with over $1 billion in loans originated, serviced and sold using a proprietary blockchain technology. 1 The Independent Community Bankers of America® creates and promotes an environment where community banks flourish.