Pub. 10 2019 Issue 4

A Message From the Chief Executive: Preparing for the Future	6
How Does the New Leverage Ratio Framework Affect Your Community Bank?	8
Mike Lieving Announces Retirement	9
The New Overtime Rules Are Coming – Is Your Bank Ready?	10
The Bell Tolls for Thee, CFPB?	12
Continuing Education: A Great Investment	14
How Consumers Are Using the West Virginia Collection Agency Act to File Class Actions	18
Stay Vigilant and Focus on the Fundamentals	22
Calendar of Events	26
Advertiser Index	26
Arnett Carbis Toothman.	27
ATM Solutions	7
Bankers Bank Kentucky	20
Bowles Rice	3
The Greenbrier	2
S.R. Snodgrass	25
Spilman Thomas & Battle	28
Suttle & Stalnaker	5
WVBA Insurance Group	17
YHB	21
Zeno, Pockl, Lilly and Copeland	13

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