This guy David Rubin is a known fraudster. The following disclaimer appeared on the last publication that fell for an interview with him. Editor's Note: After receiving comments about the author, American Banker contacted his publicist, who confirmed that Mr. Rubin is the same David Rubin formerly known as David Rubinov. He was the subject of two SEC lawsuits tied to his past business dealings, one of which was settled and the other of which was resolved in a final judgment that ordered him to disgorge $362,510 and pay a $100,000 civil penalty. He was barred from associating with any broker or dealer in a related 2004 SEC administrative order. We were unaware of these facts when he submitted the piece, which was evaluated on its own merits.