Pub. 5 2017 Issue 3

Issue 3. 2017 3 4 22 ©2017 Utah Bankers Association | The newsLINK Group, LLC. All rights reserved. Utah Banker is published quarterly each year by The newsLINK Group, LLC for the Utah Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and such not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Utah Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Utah Banker is a collective work and as such some articles are submitted by authors that are independent of the Utah Bankers Association. While the Utah Bankers Association encourages a first print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior permission. For further information, please contact the publisher at: 855.747.4003. UBA Board of Directors 2017/2018 CHAIRMAN Ron Ostler Chairman Comenity Capital Bank Salt Lake City VICE CHAIRMAN Doug DeFries President & CEO Bank of Utah Ogden 2NDVICE CHAIRMAN Kay Hall ExecutiveVice President and CFO Zions Bank IMMEDIATE PAST CHAIRMAN CraigWhite President & CEO Utah Independent Bank Beaver COMMUNITY BANKADVISORY CHAIR Rick Beard President & CEO People’s Utah Bancorp American Fork REGIONAL BANKADVISORY CHAIR Mark Herman Market President U.S.Bank Salt Lake City INDUSTRIAL BANKADVISORY CHAIR Kristin Dittmer Chief Financial Officer EnerBank USA Salt Lake City Jan Bergeson CRA Officer/Utah Market Leader Ally Bank Midvale Rob Carpenter Executive Director Region Manager JPMorgan Chase Salt Lake City George Daines President & CEO CacheValley Bank Logan Ray Dardano President & CEO Marlin Business Bank Salt Lake City Gary Harding President & CEO PrimeAlliance Bank Woods Cross Kent Landvatter CEO FinWise Bank Sandy Carla Nguyen District Manager U.S.Bank Salt Lake City Curt Queyrouze President & CEO TAB Bank Ogden Erich Sontag SeniorVice President Bank OfAmerican Fork Salt Lake City Frank Stepan Managing Director Morgan Stanley Bank,N.A. Salt Lake City KirkWeiler President & CEO WEX Bank Midvale The Utah BankersAssociation represents fifty regional,community and industrial banks throughout Utah and is the voice for Utah’s banking industry and its employees. 4 Helping Others Creates A Bright Future for Us All By Howard Headlee, President 6 Treasury’s Roadmap to Reg Relief By Rob Nichols, President and CEO, American Bankers Association 8 Banking On Technology By Glenn Martin, Regional Director, Promontory Interfinancial Network 10 Utah Banking Professionals Receive Diplomas From Graduate School Of Banking At Colorado 11 EnerBank USA Celebrates 15 Years: A Q&A with CEO Charlie Knadler 13 Ron Ostler Elected To Head the Utah Bankers Association; Bankers Elect New Officers and Directors 14 109th Annual Utah Bankers Association Convention The 109th Annual Utah Bankers Association Convention was held at the Sun Valley Resort in beautiful Sun Valley, Idaho June 25-28. 16 40 Year Service Awards 17 Pacific Coast Banking School Announces New Graduates for 2017 18 Emerging Bank Leaders Meet at Top Golf 20 2017 CRA Conference 22 Compliance Corner: Do We Finally Have a Better TRID? By Victoria E. Stephen 21 Education Corner 24 Bank Kudos 27 Bankers on the Move 28 UBA Associate Members