Pub. 13 2022 Issue 1

Table of Contents	4
A Message From the Chief Executive: The Power of Advocacy	5
Community Corner	8
Nonsufficient Funds and Overdrafts: “Junk Fees” in an Ever-Evolving Regulatory Landscape	10
The Fed’s Balancing Act for 2022	12
West Virginia Small Estate Act: Simplifying The Administration Process For Heirs While Providing Potential Mistakes For Unprepared Banks	14
Benefits That Attract and Retain Employees As We Emerge From The Pandemic	18
Five Ways Banks Can Compete with Fintech Startups	20
Bankruptcy and Judgment Liens: Traps for the Unwary	24
Implementing Computer-Security Incident Notice Requirement a Good Reason to Revisit Your Response Plan	28
2022 Calendar of Events	32

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