Pub. 9 2019-2020 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 2020 1 T a b l e o f 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. 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* 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 4 8 12 2 A Word From CBA 4 Chairman’s Message 6 Washington Update 8 FEATURE: Tools for Managing Liquidity Risk The FDIC and other regulators continue to underscore the importance of sound liquidity risk management for financial institutions. 10 FEATURE: But That’s the Way We’ve Always Done It … Change in Mindset — Why So Difficult Even in today’s dynamic environment of increased regulations and lending oversight, many community lenders remain committed to some old-school processes within their loan operations. 12 Does It Seem Like Your Vendors Care More About Wall Street Than You, Their Customer? 14 5 Important HSA Questions Employers Ask Before Choosing an HSA-Compatible HDHP 16 A Review of the CFPB’s Latest Supervisory Highlights January/February 2020 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS 6 BUILDING SUCCESS IN WASHINGTON