Pub. 3 2014-2015 Issue 4

CONTENTS: • 4 Spring Has Finally Arrived in WV • 6 Fine Points: A Looming Truth • 7 Client Alert: Banking Industry Battles Challenge to Traditional Concept of Unconscionability • 8 Affordable Housing Program: The First 25 Years • 10 Mortgage Loan Officer Classification & Potential Implications • 12 This n’ That • 13 BSA/AML is Causing Anxiety With Your Peers. What About You? • 14 No More “Gotcha?: A Quick Overview of Selected Amendments to the West Virginia Consumer Credit and Protection Act • 18 The SBA 7(a) Small Loan Progroms •20 The Shazam Network Ads Person-to Person Payments to Shazam Bolts Mobile App • 21 Don’t Let a Typo Ruin Your Lien • 22 By the Numbers: Posting Privacy Notice Online: Financial Relief of Compliance Risk? • 24 Feature Member Banks • 28 Feature Associate Members •29 Associate Member News • 30 Bank Member News • 31 Webinars Spring 2015 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 S P R I NG 2 0 1 5

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