Pub. 7 2018-2019 Issue 2

O F F I C I A L P U B L I C A T I O N O F T H E C O M M U N I T Y B A N K E R S O F W E S T V I R G I N I A QUARTER 4 CONTENTS: •4 Rebeca Romero Rainey: Flourish Column •5 2018 Election Brings New Faces and New Leadership to W.Va. Legislature •7 Why Are Consumers Not Buying Life Insurance? •8 5 Realistic Questions Community Banks in West Virginia Need To Ask for the New Year •10 Are You Ready? How the New US Lease Standards Could Affect You •11 How To Protect Your Assets – And People – From Costly Employment Litigation & Poaching By Competitors In 2019 •12 2018 CEO/Directors Conference •14 Bank Member News •16 Top Management’s Role in Compliance •18 Rethinking CECL - Innovative Insights toDriveBusiness,Not Just YourReserve •20 RecentDevelopments inADAWebsiteAccessibility Claims Against Financial Institutions •21 2019 Webinar Schedule January through March •22 Get to Know Your CBWV Board Members! 10 Minutes with Lee Milam