Pub. 6 2016-2017 Issue 4

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 January • February 2017 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* Brandon Knudtson Director of Membership * 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 January/February 2017 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS ADA and The Bank’s Website 5 Chairman’s Message 6 A Word From CBA... 8 Lenders’ Rights To Assert Claims For Defectively Constructed Collateral 10 Bracing for HMDA – 6 Questions To Capture The Mood For 2017 & 2018 12 FEATURE: ADA and The Bank’s Website 14 FEATURE: Regulatory Write-ups Point to Emerging Risks in Community Banking 16 I dentity Safety On Public WI-FI 18 FEATURE: A Tale of Generosity and Courage 20 FEATURE: Why the Impact of MMF Reform is Likely to Benefit Community Banks 22 FEATURE: Information Security Is On Fleek: Interpreting The New Booklet 23 Business Succession for Banks and Their Owners