“A Full Plate after FinMod: Strategic Challenges for Banks in the Federal Policy Arena”
Louisiana Bankers Association,
Washington, D.C., March 3, 2000.


“The Capital Quandary: Speed-Bumps on the Road to Modernization”
California Bankers Association,
Berkeley, CA, March 29, 2000.

“Future Business and Strategic Challenges for the Financial Services Industry”
Lawyers’ Council Spring Meeting Financial Services Roundtable,
Washington, D.C., May 12, 2000.


“The Compliance Conundrum: Defining the Fine Line between Certainty and Stupidity”
Annual Meeting of Compliance Directors Office of Thrift Supervision,
Arlington, VA, July 18, 2000.


“No Matter Who Wins: The Financial Services Policy Agenda in 2001″
Bank Counsel Group,
Boston, MA, October 19, 2000.



“Food Chain vs. Chain Fence: Emerging Merger Strategies in the Financial Services Industry”
1999 UNC School of Law Banking Institute,
Chapel Hill, NC, April 8, 1999.


“Pictures at an Exhibition: Prospects for Financial Industry Legislative and Regulatory Initiatives”
Bankers Association for Foreign Trade,
Washington, D.C., June 25, 1999.


“Some Smoke, Some Fire: Federal Financial Legislation and Regulation,”
Financial Institutions Conference,
Atlanta, GA, September 24, 1999.


“Unfinished Business: The Federal Agenda After Financial Reform,”
Bank Counsel Annual Meeting,
Chicago, IL, October 28, 1999.


“Banking on the Twenty-First Century: Challenges for Community Banks,”
Annual Meeting America’s Community Bankers,
Orlando, FL, November 1, 1999.


“Parsing Privacy: The New Law and Beyond,”
Delaware Bankers Association,
Wilmington, DE, November 17, 1999.



“Rescue and Retribution: Congress, the IMF, and the Banks,”
Annual Meeting of the Bankers Association for Foreign Trade,
Washington, D.C., January 22, 1998.


“The Unabanker: Will Big Banks Bomb?”
National Economists Club,
Washington, D.C., April 30, 1998.


“Merging vs. Emerging: The Future of the Community Bank Charter,”
Annual Meeting Arkansas Bankers Association,
Little Rock, AR, May 29, 1998.


“Dog Day Debacles: Banking’s Bad News and What Can Be Done about it,”
The Evanston Group,
Washington, D.C., September 10, 1998.


“Mid-Term Mayhem: The Future of the Financial Services Agenda,”
Federal Bar Association,
Washington, D.C., November 10, 1998.



“Changing Takeover Tactics in a Changing Financial Services Industry,”
The New M&A Landscape
Los Angeles, CA, January 30, 1997.


“The Real Value of Real Estate,”
The National Association of Realtors,
Washington, D.C., April 7, 1997.


“No Credito, No Problema: Theory and Practice in Subprime Lending,”
Financial Modernization Symposium Bard College
Annandale-on-Hudson, NY, April 10, 1997.


“Lawyers, Lobbyists, Flaks, and Consultants: Counter-Intuitive Keys to Successful Innovation in the Contemporary BHC,”
The Bankers Roundtable Lawyers Council,
Washington, D.C., May 29, 1997.


“Complying with the Future: Making Bank Compliance Officers Part of the Process of Change,”
1997 National Regulatory Compliance Conference American Bankers Association,
Washington, D.C., June 9, 1997.


“Commerce and Community: The Future of Financial Industry Community Commitment,”
Center for Community Change,
Washington, D.C., July 25, 1997.


“What’s Not New: The Dubious Prospects for Financial Modernization Legislation,”
New Business of Banking Conference Practicing Law Institute,
New York, NY, December 8, 1997.



“Will There be Banks in On-Line Banking?”
Emerging Law of CyberBanking Conference,
Washington, D.C., February 8, 1996.


“Protecting the Payment System: What Does the Cliché Mean?”
Rethinking Bank Regulation,
U.S. House of Representatives, March 25, 1996.


“Those Damned Derivatives: Making Risk Management Meaningful,”
Recent Developments in the Financial Structure: A Conference at the Jerome Levy Economics Institute Bard College,
Annandale-on-Hudson, New York, April 11-12, 1996.


“Once More into the Breach: Financial Modernization in the Next Congress,”
Financial Markets Association,
Washington, D.C., October 24, 1996.


“The Future of Housing Finance,”
Community Bankers Association of New York State,
El Conquistador, Puerto Rico, November 21, 1996.


“The FIRREA Next Time: Consumer Debt and Congressional Action,”
Brookings Institution National Issues Forum, FDICIA: The First and Next Five Years,
Washington, D.C., December 19, 1996.



“Freeing the Franchise: Strategic Options for Commercial Banking in 1995,”
Chief Executive Officers Meeting of the Massachusetts Bankers Association,
Wellesley, MA, January 12, 1995.


“Why the Future is Now,”
Conference on Banking Law of the American Conference Board,
Washington, D.C., March 17, 1995.


“High Value Banking,”
Annual Investors Conference CS-First Boston,
New York City, NY, April 26, 1995.


“The Cart before the Horse: Integrating Examination Practices into the Reform Process”
Compliance Conference of the American Bankers Association,
Boston, MA, June 12, 1995.


“Settling on Single Charter: Issues Raised by a Common Charter for All Banks and Thrifts”
American Institute of Certified Public Accountants Savings Institution Conference,
Washington, D.C., September 7, 1995.


“Who’s in Charge Here, Anyway? The Legislative Outlook for Commercial Banking”
Multinational Examination Conference Federal Financial Institutions Examination Council,
November 2, 1995.


“What, Me Worry?” The New Challenges to Bank Profitability”
Annual CEO Meeting Wisconsin Bankers Association,
Madison, WI, January 31, 1996.


“What Bankers Want: Advising Commercial Banks in a Time of Chance”
Annual Meeting of the Banking Conference American Institute of Certified Public Accountants,
Washington, D.C., November 17, 1995.



“Banks Under Siege: International Implications of Changes in U.S. Banking”
Dunhill Madden Butler Financial Institutions Symposia,
Melbourne and Sydney Australia, October 11-12, 1994.


“Is Glass-Steagall Next to Fall?”
Financial Markets Association,
Washington, D.C., October 20, 1994.


“Competitiveness and the Community Bank: Strategies for Success in a Rapidly Changing Industry”
Annual Meeting Federal Home Loan Bank of Boston,
April 12, 1994.


“Congress and Compliance: A Regulatory Risk Management Update”
Annual Compliance Conference American Bankers Association,
Washington, D.C., June 13, 1994.



“Banking after FDICIA,”
Federal Reserve Bank of Chicago Annual Conference on Bank Structure and Competition,
May 6, 1993.


“Counting Capital into the Strategic Calculus,”
American Bankers Association Annual Meeting for Chief Financial Officers,
New York, NY, September 13, 1993.


“Banking on the S&L: Future Directions in Retail Banking,”
The Savings and Community Bankers of American Annual Meeting,
New Orleans, LA, November 4, 1993.



“Seattle, L.A., and Their Banks: Moving from Compliance to Commitment,”
Federal Home Loan Bank of Seattle,
May 14, 1992.


“Banking on Bill Clinton: Industry Outlook in the New Administration,”
Goldman Sachs & Co. Third Annual CEO Conference,
New York, NY, December 7-9, 1992.


“FDICIA at One: A Troublesome Toddler at Best,”
Brookings Institution,
December 16, 1992.


“Incorporating Regulatory Risk Management in the New Profit Strategy,”
Chief Executive Officers of the Massachusetts Bankers Association,
Boston, MA, January 16, 1992.