Threats & opportunities in this new year

Threats & Opportunities in Washington
The Senate is still working on bi-partisan regulatory reform. Senate Bill S.2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act," passed out of the Senate Banking Committee last month. Co-sponsors from both parties are slowly coming on board, and there are reports that the bill will be introduced for a vote on the Senate floor once there are a few more. Today, there are 23, including 11 Democrats and 12 Republicans. Are your state's senators on board yet? See: 
Leadership changes at the top of the Consumer Financial Protection Agency (CFPB) are pending, and banking leaders around the country are concerned about the potential appointment of National Credit Union Administration Chairman J. Mark McWatters. "I would plead with anyone who has even the slightest concern about the ever-expanding power of the fourth branch of government to reject the idea of appointing an activist agency head like McWatters to lead the most unaccountable agency ever created," said Utah Bankers Association President Howard Headlee (who is also on the Executive Committee of Friends of Traditional Banking). "I can't think of a more disastrous combination, not just for community banks, but for the American economy." His remarks, and the concerns of others were reported this month in American Banker.
Jill Castilla Joins FOTB Exec Comm
Jill Castilla has joined the Executive Committee of Friends of Traditional Banking, representing the South Central Region (Texas, Oklahoma, Arkansas, Louisiana, and Mississippi). 
She leads Citizens Bank of Edmond as its President and Chief Executive Officer and Chairwoman of its bank holding company. She was recently named "Community Banker of the Year" by American Banker, "Most Innovative CEOs in Banking" by Bank Innovation, "Most Admired CEOs in Oklahoma" by Journal Record and "Business Leader of the Year" by Oklahoma Christian University. 
Jill serves on the boards of directors of American Bankers Association, Southwest Graduate School of Banking at SMU and both Oklahoma City and Edmond Chambers of Commerce. Jill holds a Master's degree in economics from the University of Oklahoma and a Bachelor's degree in finance from Hawaii Pacific University. She is a graduate of the University of Wisconsin's Graduate School of Banking. Jill is an Army vet, an Army wife and an Army mom married to her husband of 24 years, Lt. Colonel Marcus Castilla, with 3 children.
See FOTB's full leadership team here:
The message below is provided by a Corporate Friend of FOTB. If you or an organization you know is interested in becoming a Corporate Friend, email
Are Your Facebook Friends 
Giving You a Virus?

Highly targeted attacks known as spear phishing go after individuals or groups of individuals by distributing links or attachments that contain viruses and malware, such as ransomware.
Social media, such as Facebook, are susceptible to helping spread viruses because users have a sense of familiarity with whom they're communicating. After all, it's a friend of yours that you knew years ago that posted that link or sent the photo attachment of their new puppy. This (sometimes false) sense of familiarity causes individuals to be less cautious about clicking on a link than they would be if a stranger emailed them or walked up to them on the street and asked if they wanted to see some photos.
Read the full article here: 
PAID for by Friends of Traditional Banking. NOT authorized by any candidate or candidate's committee.
 Friends of Traditional Banking is a non-partisan grassroots effort organized by bankers in 2012 to improve the political and regulatory environment for the traditional banking industry in the U.S. FOTB is the inverse of a PAC--instead of spreading a little bit of money to a lot of campaigns, they focus a lot of money on a couple of key campaigns. 
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