Pub. 8 2017 Issue 2

www.wvbankers.org 4 West Virginia Banker 28 10 © 2017 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 and consideration. 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 specific 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 serviced advertised. West Virginia Banker is a collective work and as such some articles are submitted by authors that 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. CONTENTS 6 President’s Message By Sally Cline, WVBA President & CEO 8 West Virginia Bankers Association Takes Action on Government Relations By Loren Allen, WVBA General Counsel/Government Relations Director 10 Reduction in Call Report Requirements for Small Financial Institutions By Tyler R. Wilson, Arnett Carbis Toothman LLP 12 West Virginia Reforms State Consumer Protection Law . . . Again By Nicholas P. Mooney II, Spilman Thomas & Battle 13 Community Bank of Parkersburg By Randy Snider, WVBA Chairman of the Board of Directors 14 Protecting Your Bank from Website and Mobile Device ADA Accessibility Claims By Sandra M. Murphy and Amy J. Tawney, Bowles Rice LLP 16 West Virginia Should Consider Decanting Statute By Roy Cunningham, Lewis, Glasser, Casey & Rollins PLLC. 18 Is There a Difference in Risk Appetite and Risk Tolerance? By Darla Fogarty, Compliance Alliance 19 P&C Risk Management: Maintain Company Driver Safety Standards By Dirk Hanket, ABA Insurance Services 22 Gut Check Time – Maintaining CRA Integrity By Aly Goodwin Gregg, Guardian Bridge 23 Cybersecurity: Why It’s More Vital Than Ever, and How to Ensure Your Company is Not Exposed to Unnecessary Risk By William Ihlenfeld, Patricia Kipnis and Jonathan Marshall Bailey & Glasser LLP 27 Bank Notes 28 CECL: Your Step-by-Step Guide to Compliance by 2020-21 By Keith Monson, CSI 30 Calendar of Events