Contents ©2025 West Virginia Bankers Association (WVBA) | The newsLINK Group LLC. All rights reserved. West Virginia Banker is published four times per year by The newsLINK Group LLC for WVBA 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 WVBA, 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. West Virginia Banker is a collective work, and as such, some articles are submitted by authors who are independent of WVBA. 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. 11 16 PRESIDENT’S MESSAGE 4 Enhancing Member Engagement By Mark Mangano, President & CEO, WVBankers 6 Effective Advocacy is a Collective Effort By Bryce Himelrick, Government Affairs Strategist, WVBankers 8 Get Smart About the GENIUS Act By Jordan Maddy, Attorney, and Ben Thomas, Partner, Bowles Rice LLP 11 Your Board’s Cybersecurity Oversight Probably Isn’t Good Enough By Steve Sanders, Chief Risk Officer and Chief Information Security Officer, CSI 14 Have You Covered Fair Lending Considerations in the Debt Collection Process? By Tara Booth, Virtual Compliance Officer, Compliance Alliance 16 Ian F. McDowell Named to Forbes Top 200 CPAs List 17 How To Protect Your Financial Services Firm from Social Engineering Attacks Courtesy of Travelers 20 ACT Deposit Program A Simple Solution for Improving Your Bank’s CRA Rating By Diane Ellis, Senior Managing Director, IntraFi 22 2026 WVBankers Calendar of Events 3 WEST VIRGINIA BANKER
RkJQdWJsaXNoZXIy MTg3NDExNQ==