The Keys to Banking Law

The Keys to Banking Law guides you through today's system of financial regulation that is unlike anything else in the world. To that end, the guide:

• explores the history of banking law in the U.S. to provide context for the complexities of the law
• examines the bank family, with special emphasis on the unique dual banking system and holding company structure
• discusses the "safety net" of FDIC insurance and the Federal Reserve discount window
• dedicates chapters to all of the myriad laws and regulations attributed to the "specialness" of the banking charter
• unveils issues associated with safety and soundness and risk management
• examines how banks are supervised and examined, how law is enforced and what happens when a bank fails.

This third edition drills deeper into numerous subjects and brings readers up to date. Additionally, it includes issues associated with the COVID-19 pandemic, with updates on laws, regulations, regulatory decisions and cases, and a new chapter on banking laws motivated by societal objectives, including AML/BSA, community reinvestment and privacy.

Banking law is an acronym-rich environment. Thus, an updated banking law reference list is included at the end of the book with hundreds of acronyms and jargon to help you understand "Bank Speak," now keyed to applicable chapters of the book.

Karol K. Sparks is a partner in the financial institutions group of Barack Ferrazzano, LLP, Chicago, Illinois. She practices from a satellite office in Greenville, South Carolina. Her practice concentrates on corporate activities and regulatory issues of financial institutions, about which she has counseled banks for over 40 years. Karol is a member of the Illinois, California (inactive), New York, and Indiana (inactive) bars. A past chair of the Banking Law Committee of the Business Law Section of the American Bar Association (1998-2002), she has been an active member of the committee since 1985. She was a member of the Council of the Business Law Section of the ABA, the governing body of that organization, for a term ending in August 2008. She chaired the Publications Board of the Business Law Section of the ABA for a term that ended in August 2014 and served as the Business Law Section's liaison to the ABA Standing Committee on Publishing Oversight. Karol is the author of The Keys to Banking Law, published by the ABA and now in its third editon (2020), and the legal treatise Insurance Activities of Banks, published by Aspen Law & Business in 1998 and updated annually. The second edition of the book was published in early 2012. She is a frequent lecturer on issues relating to the regulation of financial institutions and is one of the founders of Banking Law Basics and its successor course Banking Law Fundamentals, a three-day primer on banking law, presented twice annually. From 2009-2013, she was an adjunct professor at Wake Forest University School of Law, having previously taught at the University of Iowa College of Law from 2001-2008. She joined the adjunct faculty of the Graduate Program of Banking and Financial Law at the Boston University School of Law in 2013, retiring in 2017. Karol is a member of the Board of Advisors of the Center for Banking and Finance, University of North Carolina Law School at Chapel Hill.

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