Pub. 9 2018 Issue 2

www.wvbankers.org 4 West Virginia Banker 14 10 © 2018 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, WVBankers President & CEO 8 Educating Bankers. Creating Leaders. 10 Is Liquidity Stress Testing Stressing You Out? By Dale Sheller, Vice President, Financial Strategies Group, The Baker Group 14 Breathing a Sigh of Regulatory Relief: Community Banks Benefit from Partial Rollback of Dodd-Frank By Sandra Murphy and Amy Tawney, Bowles Rice LLP 16 Teach Children to Save 18 Hindsight, Foresight, and Insight: Market Conditions in 2018 By Jeffrey F. Caughron, Managing Director, The Baker Group 21 Bank Notes 22 Password Managers A More Secure Way to Manage Passwords By Chris Joseph, CPA, CISA, CRISC, CITP, Arnett Carbis Toothman, LLP 24 What Bank Litigators Want Banks to Know About the State of Consumer Protection Litigation in West Virginia By Tai C. Shadrick and Nicholas P. Mooney II Spilman Thomas & Battle 26 General Data Protection Regulation — What Does This Mean for My Institution? By Max Tipton, Cheryl Buntin, AaSys Group, Inc. 28 WVU Students Join West Virginia-based MVB at Nasdaq Closing Bell By Patrick Gregg, WVU College of Business & Economics 30 Capon Valley Bank Marks 100th Anniversary 34 Calendar of Events The West Virginia Banker magazine was recognized with an Award of Distinction in the Overall Design Category. The Communicator Awards is the leading international creative awards program honoring creative excellence for communication professionals. Founded over two decades ago, The Communicator Awards is an annual competition honoring the best in advertising, corporate communications, public relations and identity work for print, video, interactive and audio. The 24th Annual Communicator Awards received over 6,000 entries from top ad agencies, interactive agencies, production firms, In-house creative professionals, graphic designers, design firms, and public relations firms around the world.