Pub. 11 2021-2022 Issue 3

Table of Contents	1
A Word From CBA: Compliance and Consumer Privacy Nightmare	2
Chairman’s Message: Financial Literacy and Banks: A Job or a Duty?	4
Feature: Digital Personalization: 33% Say It’s Not Worth the Risk.	6
Washington Update: Congressman Blaine Luetkemeyer House Financial Services Committee Update	8
What a Small Town Taught Me About Artificial Intelligence	10
ATM Technology Growth	12
It’s Not Hip To Be Square	13
Be in the Know – SBA 504 Refinance	14
Strengthening Your Bank’s Defenses Against Ransomware	16
The Path to Service Quality and Managing Costs for the Future	18
Fed’s Durbin Proposal Creates More Confusion Than Clarity	20
The OCC Reconsiders Going It Alone on CRA	22
Transfers Are Nonreportable; No Such Thing as Prior-Year Conversion; 12-Month Limit Only for IRA-to-IRA Rollovers	24
Colorado Banks and Financial Institutions – State Privacy Law Compliance Obligations	26
Automated Clearing House Debit Entry Fraud	29

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