Heinz Christian Hafke, is a lawyer in Frankfurt and honorary professor at the Europa Institute of the University of Saarland, Saarbrücken. Dr. Hafke is the former director of the Legal Department of the German Central Bank and then senior editor for the section on banking in the journal Börsen-Zeitung. From 1991 to 2002, he served as the general secretary and head of Legal Department of the BfG - SEB Bank with headquarters in Frankfurt am Main, Germany. Dr. Hafke is an alumnus of Salzburg Seminar Session 253, American Law and Legal Institutions, 1986; and LAWSS 1 and 4 in 1999 and 2003.