Status of Important Banking Cases
Gladiator can Help Banks Comply with New FFIEC Authentication
FFIEC supplemental guidance to
Authentication in an Internet Banking Environment
describes measures banks should take to protect Internet banking
customers from online fraud. Gladiator can help you understand
the supplemental guidance and ensure compliance.
Gladiator has unmatched IT regulatory compliance knowledge and
they invite you to visit their FFIEC Authentication Guidance
Knowledge Center to download valuable information.
about FFIEC solutions from Gladiator...
Looking for a No-Cost,
Value-Added Customer Appreciation Program? Affinion Has It
Customer Appreciation Program has been increasing customer
retention among its clients for 20 years. The program allows
your bank to offer a $1,000 Accidental Death and Dismemberment
policy to customers as a sign of your appreciation for their
loyalty and business. Endorsed by the both the American Bankers
Association and the Georgia Bankers Association, the Affinion
program provides a no-cost, no-risk opportunity to express your
appreciation and earn ongoing non-interest income.
Learn more about the AD&D program from Affinion...
Get BSA and Risk
Management Solutions from the
National Association for
Profit Protection, LLC which does business as the National Association for Bank Security (NABS) helps you
and your bank understand and manage high risk physical and
financial security topics BSA officers will find
product offerings to help manage compliance risks and NABS
offers an extensive range of manuals, training videos, and
brochures designed to support bank compliance programs and
help prevent losses.
Lean more about all that is
available from NABS here...
More GBA Products and Services
Connect with GBA on LinkedIn
Follow GBA on Twitter
Retirement, Pension and 401(k) Plans
Thumbprint Signature Program
Record Retention Guide
Interest Rate Averages by County
Legislature Past Halfway
Point of 2012 Session
The Georgia General
Assembly passed day 20 of their 40-day
session this week. The Senate passed a bill to create a new type
of instrument that title insurance companies can issue to
indemnify certain parties. Action on other bills of interest to the banking
industry was mostly in committees. House Judiciary subcommittees
considered a bill that allows a default to be cured within five
days of a foreclosure sale; another subcommittee considered a
bill that slightly raises state bankruptcy exemptions. A Senate
committee considered a bill incorporating foreclosure fraud into
mortgage fraud statutes, but removed subpoena powers for the
Attorney General and District Attorneys from the bill.
See what the committees did with
these bills, some important new bills introduced and learn more about what's aheadů
Ray Davis, President and
CEO of Umpqua Bank to Speak at GBA Annual Convention
Ray Davis took over the regional South Umpqua
Bank (and its five branches) in 1994, many poked fun at
his insistence that employees answer the phone with a
cheery, "World's Greatest Bank." Now, many accept that
statement without question. The bank and Davis are routinely
recognized as innovators in service, technology and customer
loyalty. We're excited that Davis has agreed to tell his
bank's story to GBA members attending the 2012 GBA Annual
Convention June 10-13 at
The Grove Park Inn in
Find out more details about GBA's Annual Convention here...
News from FDIC's Future of Community
Rick Whaley, President & CEO, The Citizens Bank
of Americus, and GBA President & CEO Joe Brannen attended the
FDIC's invitation-only Future of Community Banking
Conference Thursday in Washington, D.C. Federal Reserve
Chairman Ben Bernanke gave the opening keynote
address and recognized Community Banks' "critical
contribution to the prosperity of both their localities and
the nation as a whole." We'll report more
about insights we heard next week. Here's
a link to the FDIC website where you
can access video of the conference if you'd
like to see some of the presentations.
Learn more about who else was there and what they
How You Can Get Involved at the GBA
Here's a reminder that
Jim Edwards, GBA's
Chairman-elect and Chief Executive Officer of United Bank,
Griffin, has kicked off this year's committee appointment
process. He's looking for bankers who want to join their
colleagues from across Georgia in service to their industry.
Find out more about
the benefits of volunteering and how to share your expertise with GBA
ATM Physical Fee
Disclosure Regulations Challenged
A broad coalition of industry groups is mounting an effort
to change certain ATM fee disclosure rules that are
duplicative and lead to frivolous lawsuits. The current
Regulation E rule requires ATM operators to provide two
separate notices to consumers about fees for use of an ATM
-- one on the video screen and one on placards on the
machine. Without both notices, the statute prescribes that in a
successful class action, plaintiffs can recover "the lesser
of $500,000 or 1 percent of the net worth of the (ATM operator),"
plus attorneys' fees and costs. There are anecdotes about
people and attorneys actively tracking down and
photographing non-compliant machines. So, be sure to keep your ATM
fee notices visible and well maintained. We'll keep this issue in front of
regulators and policymakers as an example of regulatory
burden that can and should be changed.
Find out more
about ATM Physical Fee Disclosure Regulations here...
Fair Housing "Disparate
Impact" Case Dismissed by Supreme Court
We reported to you back in January about a U.S. Supreme
to determine whether discrimination may be alleged under the
Fair Housing Act (FHA) based only on the policy's disparate impact
provisions. The Supreme Court dismissed the case Feb. 10.
You'll recall that GBA had signed on to a friend-of-the-court brief
outlining the position that the language of the Fair Housing
Act does not allow litigation based on "disparate impact"
theories of discrimination.
Get more legal news about the
FHA case dismissal...
The Consumer Financial Protection Bureau this week launched
its website allowing bankers and the public the ability to
suggest ways to streamline regulation, and there's a good
library of CFPB-related news and information available to
all banks from the American Bankers Association we thought
Learn more about these CFPB
Capital for Rural
Businesses Conference is March 14
The USDA and several other
agencies are hosting a Capital Resources to Grow Small
Businesses and Communities conference March 14 at the
University of Georgia's Tifton Campus Conference Center for
rural businesses with completed business
plans that are looking for financing sources. Lenders are
encouraged to attend. There
is no cost to attend the conference, which is from 9:30 a.m.
to 5 p.m. And, don't forget that the following day the
Georgia Department of Community Affairs will host a seminar
at the same location about the state's new
that will distribute about $48 million to private lenders to
increase access to credit for small businesses.
more about those events and register by clicking here...
Three Great Financial
GBA encourages our members to find new ways to help parents,
teachers, and students better equip themselves and their
communities with the financial knowledge they need. Here are three
upcoming opportunities to do just that:
America Saves Week
starts Sunday and runs Feb. 19-26. FDIC
has encouraged banks to participate.
Teach Children to Save Day
is April 24.This year the ABA
Education Foundation (ABAEF )is urging at least 1,500
can help students put their financial
literacy lessons into practice by joining the
Race to Save.
Young people who save at a bank will become
more comfortable with banking and are your future
Also, please don't forget to tell us about your activity by
Financial Literacy Program Report Cards
provided by Leadership GBA to track all of the good
work you do to support your community each year. With
questions, contact GBA's
Jennifer Stevens at 404.420.2024.
Key GBA Event
Season Is Here
The next two months are packed with timely, informative
conferences for bank professionals. Hear from the best
experts, brush up on critical skills, find ways to make or
save money for your bank and connect with your peers.
Operations and Technology
Conference, Feb. 29-March 1, Atlanta.
Highlights: ROI ideas, fraud trends, examination
HR Professionals Institute,
March 22-23, Atlanta. Highlights: Social media
recruiting, going paperless, employment law update.
Marketing and Communications
Conference , March 22-23, Atlanta.
Highlights: B-to-B marketing, digital marketing
workshop, local media strategies, CEO panel.
Bank Security Conference, March 29-30,
Savannah. Highlights: Lawsuit prep., fraud fighting
for banks and customers, electronic security trends.
Read about all the Georgia bankers making news this week...
Send Us Your News
Please remember to include the Georgia
Bankers Association on the list of recipients for announcements
about promotions, new employees and special recognition your
bank has received. We want to share your news with your
colleagues across the state. Please forward your announcements
and photos to GBA's
David Oliver and Bogan Brannen.
IRA Survival Guide
IRA Basics Seminar
Operations & Technology Conference
Feb. 29 - March 1
HR Professionals Institute
Marketing and Communications Conference
Economic Update with Dr.
Southeastern Community Bank Symposium
Civil Lawsuit Preparation
Bank Security Conference
GBA Senior Lending and Compliance Peer Groups
See Some Fast Facts
2012 Georgia Banking School
April 29-May 4
2012 Southern Operations and Technology School
April 29-May 4
2012 Annual Convention
AIB Courses for February
Full GBA-U Calendar
Career Paths for BankersTM
The 44 most-common bank job
descriptions, the skills and competencies you need to have
those jobs and links to training and development by job
Find a job, post