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