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116 Banking L.J. [i] (1999)

handle is hein.journals/blj116 and id is 1 raw text is: THE BANKING LAW JOURNAL VOLUME 116 NUMBER1 JANUARY 1999 EDITOR'S HEADNOTES: HOME EQUITY LOANS: BALOON MORTGAGE ENCORE? 3 Gerald T. Dunne LOANS: LATE CHARGES CHALLENGED 4 Harris Ominsky and Stuart D. Poppel IS YOUR CLIENT'S COLLATERAL OR SECURED TRANSACTION EXCLUDED BY ARTICLE 9 OF THE UNIFORM COMMERCIAL CODE? 25 Frank Vram Zerunyan RECENT DISSENTERS' APPRAISALS PERFORMED BY THE OCC: SOME PROGRESS OVER PAST APPRAISAL BUT SOME IMPROVEMENTS ARE STILL NEEDED 30 Steven A. Bires and Douglas V. Austin LENDERS' CLASS CERTIFICATION: VICTORY TRAIN MOMENTARILY DELAYED 44 Robert M. Jaworski, Esq. POSTPETITION LENDERS: IS YOUR COLLATERAL AT RISK? 53 Charles S. Riecke ARE VIRTUAL BANKS JUST AROUND THE CORNER? 67 Walter McNeil and Eugene F. Cowell III UCC COMMENTARY: Bulk Transfers Laws Must Be Considered by Banks Involved in Sale of Debtor's Property Follwing Default 78 Banking Briefs 89 * Trust Decisions 109 * Estate & Gift Tax Decisions 117

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