©2025 The Colorado Bankers Association (CBA) | The newsLINK Group LLC. All rights reserved. Colorado Banker is published six times per year by The newsLINK Group LLC for CBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of CBA, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Colorado Banker is a collective work, and as such, some articles are submitted by authors who are independent of CBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Jenifer Waller President & CEO Alison Morgan Director of State Government Relations Brandon Knudtson CFO & Director of Membership Lindsay Muniz Director of Education Michelle Provan Director of Communications Megan Carruth Executive Assistant Margie Mellenbruch Bookkeeper* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Andrew Wood Lobbyist* Caroline Woodhouse Lobbyist* *Outsourced 140 E. 19th Ave., Ste. 400 Denver, Colorado 80203 Office: (303) 825-1575 coloradobankers.org colorado-banker.thenewslinkgroup.org BUILDING BETTER BANKS — Helping Coloradans Realize Dreams 20 22 2024-2025 Issue 5 4 CHAIRMAN’S MESSAGE Swipe Fee Bill Will Do Far More Harm Than Good By Kevin Erickson, Chairman, CBA 6 Banking Leaders and Legislators Unite at the 2025 CBA Legislative Briefing By Michelle Provan, Director of Communications, CBA 8 Glue and Tap Fraud Protecting Your ATMs and Cardholders from Emerging Scams By Alyssa Knapp, Financial Technology Solutions Consultant, Cook Solutions Group 10 The Section 1033 Final Rule Providing Community Banks With the Perfect Innovation Opportunity By Bradley Wallace, Director of Compliance, CSI 11 Doing Your Homework Why Online Reviews Matter for Banking Services By Corey Wrinn, Rivel Banking Research 14 CBA Centerpoint Going Beyond the Desk to Hear the Stories of Colorado Bankers 16 2025 Credit Portfolio Risk and Balance-Sheet Management Outlook By Mary Ellen Biery, Senior Strategist & Content Writer, Abrigo 18 ACTSM Deposit Program A Simple Solution for Improving Your Bank’s CRA Rating By Diane Ellis, Senior Managing Director, IntraFi 20 Cherrywood Enterprises Presents Debt Selling 101 By Craig M. Geisler, CEO, Cherrywood Enterprises LLC 22 Unlocking Growth Why a Strong Overdraft Strategy Matters More Than Ever By John Cohron, Chief Executive Officer, ADVANTAGE 24 Crypto Scams and Crypto Fraud Detection for Financial Institutions By Terri Luttrell, CAMS-Audit, CFCS, Compliance and Engagement Director, Abrigo 3 Colorado Banker
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