PUB. 11 2021-2022 Issue 2

A Word From CBA: Industry Advocacy Starts with ‘People-People’	2
Chairman's Message: Banks and Trust	4
Feature: The Pandemic and the Continuing Supervisory Guidelines	6
Washington Update: Time’s Up: Congress Must Stop Credit Union Purchases of Taxpaying Banks	10
Mortgage Borrowers Amid the COVID-19 Pandemic 2021 and Onward	14
New CFPB Rule Offers Flexibility with Foreclosures	16
Avoid Negative HSA Balances and their Negative Tax Consequences	18
Replacing LIBOR: Pros and Cons of Alternative Rates	20
Cyber Resilience: Adapting to a Changing Cyberattack Evironment	22
Rates Don’t Matter Much If You Have A Plan	26
Embracing Digital Statements to Enhance Customer Engagement	28

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