Pub13-2022-Issue2

Table of Contents	4
A Message from the Chief Executive: 2022 Young Banker of the Year Award	5
A Conversation with EJ Hassan – 2022 West Virginia Young Banker of the Year	8
2022 Young Banker of the Year Award Nominees	10
Are Your Borrowers Getting What They Paid For?	15
Student Loans: Stressors and Pitfalls as Repayments Begin and CFPB Actions Against Alleged Fraudulent Conduct	16
CECL is Finally Here What to Know as We Approach Implementation	20
The Society of Bank Executives: The Power of Peer Networks	24
I Said, “Stop!” ... or at Least I Thought I Did Borrower Complaint Letters That Trigger a Duty to Respond	26
The Educated 3(16) Fiduciary	30
Crypto-Related Activities Ask Before You Leap	32

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