Agenda: 2011 Banking Institute
Ritz-Carlton, Charlotte, NC
Thursday, March 31
10:30 - 11:30 a.m.
Registration and Coffee
11:30 a.m. - 12:30 p.m.
The Future of Securitization
This panel will review the deals that are getting done and may be done in the future, the proposed
rulemaking under Dodd-Frank and other regulations impacting the securitization market (including Reg. AB
and the FDIC's safe harbor), rating agency reform, response of investors, and an update on covered bonds
legislation.
Bradley J. Brown, Bank of America, Charlotte
James P. Carroll, Cadwalader, Wickersham & Taft LLP, Charlotte (coordinator)
Tom Deutsch, American Securitization Forum, New York
Henry A. LaBrun, Cadwalader, Wickersham & Taft LLP, Charlotte
Michael Nedzbala, Hunton & Williams LLP, Charlotte (coordinator)
Vicki O. Tucker, Hunton & Williams LLP, Richmond (moderator)
12:30 - 1:00 p.m.
Lunch
1:00-1:50 p.m.
Paul L. Reynolds, Executive Vice President and Chief Administrative Officer, Fifth Third Bancorp
Introduced by: Jewell D. Hoover, Hoover and Associates, LLC, Charlotte, board member, Fifth Third Bancorp
Paul Reynolds joined Fifth Third Bank in 1990 as Vice President of Legal and became Senior Vice President,
General Counsel, and Assistant Secretary in 1997. He became Executive Vice President in 1999, Secretary in
2002, and Chief Administrative Officer in 2009. Reynolds is responsible for the management of Legal,
Corporate Facilities, Mergers and Acquisition Integration, Community Affairs, Government Affairs, and
Securities Compliance. He also oversees Human Resources, Marketing, Organizational Development &
Planning, and Global Sourcing. Reynolds is active with the American Bankers Association as is former
chairman and current board member of the Ohio Banker's League. Prior to joining Fifth Third Bank, Reynolds
was an associate attorney at Graydon, Head & Ritchey. He received his bachelor's degree from Northern
Kentucky University and a J.D. from the University of Kentucky.
1:50-2:00 p.m.
Break
The Dodd-Frank Act - "Making it Real"
The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 is infamous even in its infancy for
its expansive 848 pages of substantive reform, complex concepts, deference to over 240 required
rulemakings, and cast of new regulatory/oversight councils, bureaus, offices, and departments. It begs for
translation. It begs for answers to the question - What does it mean for me, my practice, and my clients?
The 2011 Banking Institute will dedicate over three hours to "Making Dodd-Frank Real" with commentary by
key regulators and practitioners who represent institutions from community banks to systemically important
financial companies. The first panel will focus on the consumer protection titles. The second and third panels
will distill the remaining eleven substantive Dodd-Frank titles.
2:00 - 3:20 p.m.
"Making it Real" - Retail Banking and Consumer Protection Regulation
The Dodd-Frank Act overhauls not only the regulation of consumer lending, but nearly all aspects of retail
banking, and how banking professionals should be approaching new consumer protection mandates. The
new law also introduces new regulators. Hear from the Bureau of Consumer Financial Protection, and its
companion consumer protection regulator within the Federal Deposit Insurance Corporation, about consumer
regulatory, examination, and enforcement priorities, and learn effective ways of working with these key
agencies. The panel will also cover practical approaches to compliance with the vast array of new retail
banking laws and regulations.
Lynne B. Barr, Goodwin Procter LLP, Boston
Donald C. Lampe, Womble Carlyle Sandridge & Rice, PLLC, Charlotte (coordinator)
Christopher E. Leon, Womble Carlyle Sandridge & Rice, PLLC, Winston-Salem (coordinator)
Mark E. Pearce, Federal Deposit Insurance Corporation, Washington, D.C.
Roberta G. Torian, Reed Smith LLP, Philadelphia
3:20 - 3:30 p.m.
Break
3:30 - 4:50 p.m.
"Making it Real" - Titles I through VI
What do Titles I through VI of Dodd-Frank mean to you and your practice? What are FSOC, FNR and ONI,
and the Volcker Rule . . . and why should you care? Our panel of practitioners will demystify those titles and
explain what they mean to them and to their clients.
Scott Cammarn, Cadwalader, Wickersham & Taft LLP, Charlotte
Todd H. Eveson, Gaeta & Eveson, P.A., Raleigh
Robert C. Hunter, The Clearing House, Winston-Salem
J. Brett Treier, Vorys, Sater, Seymour & Pense, Cleveland
Karol K. Sparks, Barack Ferrazzano Kirschbaum & Nagelberg LLP, Chicago
4:50 - 5:00 p.m.
Break
5:00 - 6:00 p.m.
"Making it Real" - Title VII and Onward
Our panel of practitioners will continue its exploration of the remaining titles of Dodd-Frank.
6:00 - 7:00 p.m.
Reception
This opportunity to mix and mingle with the participants, including program speakers and the law students
who produced the North Carolina Banking Institute Journal is always a highlight of the Banking Institute.
During the reception Charlotte Observer reporter Rick Rothacker will sign copies of his new book Banktown:
The Rise and Struggles of Charlotte's Big Banks. Copies will be available for purchase.
7:00 - 7:45 p.m.
2011 Banking Institute Annual Dinner
This is a separately ticketed event, but it is included without additional charge for all speakers, students,
those attending as corporate sponsors, or on other special admission rates. Please consider attending to
spend more time meeting and talking with colleagues and to hear the after-dinner remarks.
Center for Banking and Finance Leadership Award
The Center for Banking and Finance is honoring Paul Stock, Executive Vice President and Counsel of the
North Carolina Bankers Association with the Center's Leadership Award for his outstanding contributions to
banking law and to the banking industry. Please join us in celebrating the career of Paul H. Stock.
Dinner Speaker: John D. (Jerry) Hawke, Jr., Arnold & Porter, Washington, D.C.
Introduced by: A. Patrick Doyle, Arnold & Porter, Washington, D.C.
Jerry Hawke rejoined Arnold & Porter's financial services practice group in 2004 following nine and one-half
years of government service, first as Under Secretary of the Treasury for Domestic Finance and then as
Comptroller of the Currency. His prior government service also includes service as general counsel to the
Board of Governors of the Federal Reserve System from 1975 to 1978. Hawke serves as chairman of the
Board of Advisors for the Morin Center for Banking Law Studies at Boston University School of Law. He has
also taught banking law at Georgetown and at Boston University. Hawke is a graduate of Yale University,
received a J.D. from Columbia University School of Law, and served in the U.S. Air Force.
Schedule: Friday, April 1
7:45 - 8:15 a.m.
Continental Breakfast
8:30 - 9:30 a.m.
Kelly S. King, Chairman and Chief Executive Officer, BB&T Corporation
Introduced by Robert Johnson, General Counsel, BB&T Corporation
King joined BB&T's management development program in 1972 and has served in many roles since then,
including manager of the Central and Metropolitan regions, Raleigh city executive, Charlotte business
services manager, Statesville consumer lending manager, and banking manager for BB&T's branch network.
He was chief operating officer from 2004 to 2008 and was named chairman and chief executive of BB&T
Corporation on January 1, 2009. King also serves as a director of The Federal Reserve Bank of Richmond,
and is on the boards of The Clearing House and The Financial Services Roundtable. He has provided
leadership to multiple civic, community, and nonprofit associations, including the N.C. Chamber of
Commerce. King received his B.S. in Business Administration and an MBA from East Carolina University.
9:30 - 9:45 a.m.
Break
9:45 - 11:00 a.m.
Capital is King
This panel will discuss the current significant issues in the capital requirements for financial institutions,
including the changes resulting from the Dodd-Frank Act, a high level view of the new Basel Committee
approach to capital, potential changes in how the ALLL and other capital components are viewed, and the
impact of enforcement actions on capital. The panelists include senior officials of the three principal federal
bank regulatory agencies and private sector experts with prior regulatory agency experience.
Thomas J. Dujenski, Federal Deposit Insurance Corporation, Atlanta
Christina M. Gattuso, Kilpatrick Townsend & Stockton LLP, Washington, D.C.
Jack P. Jennings, II, Federal Reserve Board, Washington, D.C.
Paul S. Pilecki, Kilpatrick Townsend & Stockton LLP, Washington, D.C. (coordinator)
Richard Spillenkothen, Deloitte & Touche, Washington, D.C.
Timothy Ward, Office of the Comptroller of the Currency, Washington, D.C.
11:00 - 11:15 a.m.
Break
11:15 a.m. - 12:30 p.m.
Troubled Banks 2011
This panel will discuss the issues surrounding the continuing struggles of the banking industry in 2011,
including developments in FDIC practices and policies with respect to failed banks; troubled bank M&A;
other developments affecting both strategic and financial acquirers; regulatory challenges; and related
issues.
John L. Douglas, Davis Polk & Wardwell LLP, New York City
Kevin Stein, FBR Capital Markets & Co., Arlington, VA
Thomas P. Vartanian, Dechert LLP, Washington, D.C.
Charles M. Williams, Jr., CertusBank, Charlotte
12:30 - 2:30 p.m.
Center for Banking and Finance Board of Advisors Luncheon Meeting