Pub. 12 2021 Issue 4

Table of Contents	4
West Virginia Young Banker of the Year Award	5
Community Corner	6
To Pay or Not to Pay: Ransomware Attacks Offer an Unsavory Choice	8
Cryptocurrency and the Future of Banking	12
Corporate Transparency Act	14
What are Consumers’ Top Cybersecurity Concerns?	18
Regulators Move Closer to Incorporating Climate -Related Risks into Oversight of Banks and Other Institutions	22
Federal Agencies Focus on Community Bank-Fintech Partnerships	24
OFAC Issues New Guidance Directed at Virtual Currency Industry: What You Need to Know	26
Checking In on the Banking Industry	28
2022 Calendar of Events	32

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