Pub. 2 2013-2014 Issue 2

CONTENTS: •4 If Not You, Then Who? •6 From the Top: On Going Mobile •7 ICBA’s Fine Recognized on The Hill’s List of “Top Lobbyists” •8 Give Small Banks a Break on CFPB Mortgage Rules •10 Client Alert: Is Deepening Insoivency Alive? •14 SBA Eliminates Fees for Loans Under $150K •15 Crowdfunding: A Conscious Endeavor? •16 Mortgage Servicers Must Adopt Policies and Procedures for Dealing with Loans Upon the Death of a Borrower •17 FFIEC Agencies Issue Warning About Windows XP •18 By the Numbers: Succession Planning •20 Bank Member News OF F I C I A L PUB L I CA T I ON OF THE COMMUN I T Y B ANK E R S OF WE S T V I RG I N I A    F A L L 2 0 1 3