Pub. 6 2016-2017 Issue 2

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G C O L O R A D A N S R E A L I Z E D R E A M S September • October 2016 3 The Colorado Bankers Association is proud to present COLORADO BANKER as a benefit of membership in the Associ- ation. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of COLORADO BANKER , or its publisher the newsLINK Group LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group LLC. Don Childears President/CEO Jenifer Waller Senior Vice President Amanda Averch Director of Communications Lindsay Muniz Executive Assistant Mike Bintner Director of Education Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Zoey DeWolf Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* * outsourced Amanda Averch, CBA Director of Communications, Averch@coloradobankers.org 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 voice: 303.825.1575 – fax: 303.825.1585 Websites: www.coloradobankers.org www.smallbizlending.org www.financialinfo.org September/October 2016 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS Modernizing Systems 5 Chairman’s Message 6 A Word From CBA... 8 FEATURE: ACA Information Reporting – Employer Notices Are Coming 10 FEATURE: Grow Your Business Through Centers of Influence 12 FEATURE: Consumer Harm & ARCH: How the FDIC Determines Your Risk 14 FEATURE: Bank Merger and Acquisition 16 FEATURE: Modernizing Systems 18 FEATURE: Password Managers 20 FEATURE: Assess Your Examination Process: Tell us the Good, Bad, and Ugly! 22 With CBA’s Help, Mark Scheffel Donates $1k to Alzheimer’s Association 23 FEATURE: Ransomware Is on the Rise