Pub. 3 2014-2015 Issue 3

CONTENTS: • 4 The New Year is off to a Fast and Busy Start • 6 Fine Points: Securing Payments Security • 7 New Post-Foreclosure Protection For Borrowers • 8 Four Strategies to Increase the Performance of Community Banks’ Debit Card Portfolios • 12 Not Just a Transaction ICBA Securities benefits from its state partners • 13 This n That • 14 Regulatory Challenges Abound for Community Banks in 2015 • 18 Client Alert: Erroneously Filed Termination Statement Costs Banks Billions • 20 As We Head Toward EMV, What’s Your Chip Card Strategy? •21 Managed IT Coexists with Collaboration Between Banks • 22 By the Numbers: New Interagency Guidance for Tax Allocation Agreements • 24 SBA Lending Procedural Updates • 26 Feature Member Banks • 28 Feature Associate Members • 30 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    WI NT E R 2 0 1 5