©2022 The Colorado Bankers Association is proud to present Colorado Banker as a benefit of membership in the association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of Colorado Banker or its publisher, The newsLINK Group, LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group, LLC. Jenifer Waller President & CEO Alison Morgan Director of State Government Relations Brandon Knudtson Director of Membership Lindsay Muniz Director of Education Rita Fish Communications & Office Manager Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Andrew Wood Lobbyist* * Outsourced 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 Office: 303.825.1575 Websites: coloradobankers.org smallbizlending.org financialinfo.org colorado-banker.thenewslinkgroup.org Over a Century BUILDING BETTER BANKS— Helping Coloradans RealizeDreams 16 7 27 Colorado Bankers Association The 2 Message from the CEO 3 In Memoriam, Dennis King 4 NOT JUST NONPROFITS CDFI Banks, in Partnership, Leverage Private and Public Funds to Enhance the Communities We Serve 6 Education and Trust Matter When Dealing with Digital Assets 7 HSAs, an Opportunity for Mutual Benefit 12 For Community Banks, The Sun Also Rises Solar Tax Credit Investments Now More Accessible 14 Equity Cure Provisions in Middle-Market, Sponsor- Backed Credit Agreements 16 How to Know if Your Bank Must Report a Cybersecurity Incident 19 Regulatory Scrutiny of NSF and Overdraft Fees 22 Four Tips for Community Banks to Retain Talent 24 The Society of Bank Executives 26 Cash Flow Management 27 Why Banks are Embracing Loan Marketplaces as a Solution to Liquidity Contents September • October 2022 1
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