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O F F I C I A L P U B L I C AT I ON O F TH E C OMMUN I T Y BANK E R S O F WE S T V I RG I N I A   FA L L 2 0 1 4

CONTENTS: • 4

CBWV Announcement

• 6

Fine Points: Transformational Times

• 8

FHFA Proposal Threatens

Our Membership in FHLBanks

• 10

Client Alert: Filing a Proof of Claim Could Result in Violation of the

Fair Debt Collection Practices Act

• 12

By the Numbers: Impact of the Basel III Capital Conservation Buffer

• 16

EMV Expert Says ‘Go Slow’ on Chip Card Migration

• 19

Bond Investors Marking Time Till First Rate Hike

• 20

Compliance with WV State Tax Levies

• 21

What’s In A Name? Recent Study Reveals The Truth

• 22

Do You Trust Your IT Staff More Than Attorney?

• 23

The Lender’s Advantage from SBA

• 25

Featured

Member Banks

• 26

Feature Associate Member Banks

• 27

Bank Member News

• 27

Associate Member News