Pub. 3 2014-2015 Issue 2

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 Feature Member Banks • 26 Feature Associate Member • 27 Bank Member News • 27 Associate Member News