Pub. 6 2016-2017 Issue 1

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G C O L O R A D A N S R E A L I Z E D R E A M S July • August 2016 3 The Colorado Bankers Association is proud to present COLORADO BANKER as a benefit of membership in the Associ - ation. 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. Don Childears President/CEO Jenifer Waller Senior Vice President Amanda Averch Director of Communications Lindsay Muniz Executive Assistant Mike Bintner Director of Education Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Zoey DeWolf Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* * outsourced Amanda Averch, CBA Director of Communications, Averch@coloradobankers.org 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 voice: 303.825.1575 – fax: 303.825.1585 Websites: www.coloradobankers.org www.smallbizlending.org www.financialinfo.org June/July 2016 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS Housing Data Mistakes — How to Avoid Them! 5 Chairman’s Message 6 A Word From CBA... 8 FEATURE: Executive Benefit Plans in 2016: Emerging Trends 10 FEATURE: Health Savings Account or Health Spending Account? 12 FEATURE: Splitting Up the Herd: A Case for Network Segregation 14 FEATURE: What Banks Need to Know About the CFPB’s Proposed Rule to Limit Arbitration Provision in Consumer Agreements 16 FEATURE: Six Biggest Housing Data Mistakes 18 CBA NEWS: Colorado Bankers Association Elects Leadership for 2016-17 Year 20 FEATURE: Communicating Strategy: The Broncos’ March to the Super Bowl 22 FEATURE: The Growth of Online Lending Options for Small Business — Healthy or Harmful?