In This Issue:

- Another Perspective: Robert T. Braswell, President and Chief Executive Officer Carolina Bank:

Mr. Robert T. Braswell is President and Chief Executive Officer of Carolina Bank. He has served in those roles since the bank was founded in 1996. In addition to leading a growing bank, Mr. Braswell is very involved with the North Carolina Bankers Association (presently serving on its Board of Directors) and with the American Bankers Association...

- From the Editor:

A welcome message from our executive editor...

- Eminent Domain: Who Will Have Their Way?

A California investment firm and the City of Richmond, California may pose a new threat to the mortgage industry....

- Hold That ReFi!!

Mortgage lenders should think twice before entering post-petition agreements with discharged debtors....

- Be Careful What You Wish For:

The initial proposal for Basel III Capital Rules seems to be a bad match for the U.S. economy....