Pub. 8 2018-2019 Issue 3

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 November • December 2018 3 The Colorado Bankers Association is proud to present COLORADOBANKERas a benefit of membership in the Association.Nomember 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 ap- pearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group LLC. Don Childears President/CEO Jenifer Waller COO 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 November/December 2018 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS HSA SAVINGS FOR LONG-TERM CARE IN RETIREMENT 4 Chairman’s Message 5 A Word From CBA... 6 FEATURE: HSA Savings for Long-Term Care in Retirement 10 FEATURE: Banks Are Too Asset Sensitive 12 FEATURE: Reviewing the CFPB’s Recent Complaint Report 14 FEATURE: Cyber Risks 15 Bankers: Your Anonymous Feedback is Critical Please Complete the Regulatory Feedback Initiative 16 Consumers Have Spoken and Bankers Should Listen 18 Growing Relationships, Communities and Opportunities with Data 20 Recruiting Top Banking Talent in a Highly Competitive Marketplace