Featured Events

Legislative Briefing & Reception
January 31

This event will serve as a prime opportunity for bankers to get to know legislators, discuss important banking issues and thank the legislators who have helped us with critical issues in the past. You are encouraged to reach out to your elected officials in advance.

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HMDA Alert

The threshold for reporting 2023 HMDA data is MANDATORY for all banks with:

At least 25 closed-end mortgage originations in 2021 and 2022;
At least one branch in an MSA; and
At least $50 million in assets (this is the 2022 number; the 2023 asset limit has not been announced.)

We are offering a pre-recorded webinar through Young & Associates, Inc., with Bill Elliott, CRCM, as presenter. Available on-demand now through June 30.

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The Annual IRA Merry-Go-Round IRA Basic Issues and Advanced Issues

What an IRA merry-go-round 2020 was and continued to be in 2021 and 2022. Since the SECURE Act was signed into law on December 20, 2019, effective January 1, 2021, you would think all the IRS clarifications would have been released. And the IRS did propose regulations in February 2022 which were intended to clarify the 2019 SECURE Act but have, in some cases, increased industry confusion and frustration. Moreover, we are still wrestling with some of the residual effects of the CARES Act of 2020. Even further, although the dust has yet to settle on the 2019 SECURE Act, Congress appears poised to pass additional IRA legislation (“SECURE Act 2.0”). The bottom line? There are simply too many issues and potential pitfalls financial institutions will experience without a working knowledge of these changes. Rules have changed, new forms have been introduced, IRA software has been updated and there are more changes yet to come

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