Pub. 1 2010 Issue 4

20 10 5 A Message from David McKinley, U.S. House of Representatives West Virginia Banker introduces you to our State’s newest Congressman, David McKinley, who will represent West Virginia’s first Congressional District. 7 Overdraft Programs – The Next Chapter The recent publication by the OTS of their proposed Supple- mental Guidance on Overdraft Protection Programs is some- thing that all bankers should consider. By Mike Potter, Senior Vice President, Strunk & Associates, L.P. 10 Beware of Investment Bankers Bearing Gifts From the American Banker to conversations over gas pumps, community banking merger activity is heating up. The American Banker reported that merger activity is picking up, especially on the East coast. By Jay Brew, Seifried & Brew, LLC 16 Beware of Fraudulent Wire Transfer Requests Despite increased vigilance by banks in recent years, fraudu- lent wire transfers continue to be an on-going problem in the banking industry.. Loss control article from ABA Insurance Services 18 West Virginia School of Banking: A Sound Investment We all realize how valuable a talented, well-trained employee can be in the banking industry. Just ask any banker and they’ll tell you that’s what sets them apart from their competitor. By Donna Atkinson, Director of Education 20 Technology May Assist Borrowers in Holding Banks Liable for Excessive Phone Calls West Virginia banks have recently become the targets of lawsuits filed by customers in default on their loans for alleged violations of consumer laws based on repeated telephone calls by the bank to the borrower. By Sandra M. Murphy, Esq. and Amy J. Tawney, Esq. Bowles Rice McDavid Graff & Love LLP 22 Effective Risk Management This is the fourth and final article of a multi-part series ori- ented toward risk assessment and the management of your Information Technology (IT) assets. By Keith A. Morgan, CISA, CISSP, Chris Joseph, CPA, CISA 25 Calendar of Events 25 Member Notes