8 CONTENTS ©2022 The West Virginia Bankers Association | The newsLINK Group, LLC. All rights reserved. West Virginia Banker is published four times each year by The newsLINK Group, LLC for the West Virginia Bankers Association 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 the West Virginia Bankers Association, 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 the West Virginia Bankers Association. While West Virginia Banker encourages a first-print policy, 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. 5 A Message from the Chief Executive: 2022 Young Banker of the Year Award By Sally Cline 8 A Conversation with EJ Hassan – 2022 West Virginia Young Banker of the Year 10 2022 Young Banker of the Year Award Nominees 15 Are Your Borrowers Getting What They Paid For? By Michelle Walker, Investors Title Insurance Company 16 Student Loans: Stressors and Pitfalls as Repayments Begin and CFPB Actions Against Alleged Fraudulent Conduct By Angela L. Beblo, Spilman Thomas & Battle, PLLC 20 CECL is Finally Here What to Know as We Approach Implementation By Kelly Shafer, Suttle & Stalnaker, PLLC 24 The Society of Bank Executives: The Power of Peer Networks By Dr. Paul Godfrey, BYU Marriott School of Business 26 I Said, “Stop!” ... or at Least I Thought I Did Borrower Complaint Letters That Trigger a Duty to Respond By Russell Jessee and Sarah Ellis, Steptoe & Johnson, PLLC 30 The Educated 3(16) Fiduciary By Richard Rausser, Pentegra 32 Crypto-Related Activities Ask Before You Leap By Mark Mangano, Jackson Kelly, PLLC 16 wvbankers.org 4 West Virginia Banker
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