52 episodes

Are you prepared to meet the challenges and risks of being a bank director? Bank directors have been the fall guys in past recessions. The American Association of Bank Directors has been your advocate since 1989 and our podcast is designed to keep you well informed to help protect both you and your bank.

Calling All Bank Directors American Association of Bank Directors

    • Business
    • 4.3 • 3 Ratings

Are you prepared to meet the challenges and risks of being a bank director? Bank directors have been the fall guys in past recessions. The American Association of Bank Directors has been your advocate since 1989 and our podcast is designed to keep you well informed to help protect both you and your bank.

    The Bank Board Role in Supporting Compliance with New CRA Regulations | Calling All Bank Directors Ep. 52

    The Bank Board Role in Supporting Compliance with New CRA Regulations | Calling All Bank Directors Ep. 52

    On October 24, 2023, the federal banking agencies adopted a new Community Reinvestment Act (CRA) regulation that revolutionizes the obligations of banks with assets of $600 million or more. On this episode of Calling All Bank Directors, our guest Ken Thomas, a leading expert in CRA for many years, explains what boards of directors can do to support compliance with the new regulation.
    AABD recorded this podcast episode prior to the filing of a lawsuit by various bank trade associations.
    Unless the regulation is overturned or withdrawn by the agencies, bank boards and management of banks of $600 million or more will face huge challenges.
    Ken is the president and CEO of Community Development Fund Advisors and author of the seminal book on CRA. He taught at Wharton Business School for 42 years and serves on the Board of Directors of a community bank.
    *****
    Thanks to our guest, Ken Thomas: https://www.communitydevelopmentfund.com/about/ 
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 11 min
    Understanding the New CRA Regulations | Calling All Bank Directors Ep. 51

    Understanding the New CRA Regulations | Calling All Bank Directors Ep. 51

    On October 24, 2023, federal banking agencies adopted a new Community Reinvestment Act (CRA) regulation that revolutionizes the obligations of banks with assets of $600 million or more. The rule will move banks away from the original intent of CRA, which was to encourage banks to meet the credit needs of their low to moderate income communities.
    In this episode of Calling All Bank Directors, Ken Thomas, a leading expert in CRA for many years, explains what the regulation says and what has changed from the old rule. He believes that the new rule will result in nearly 10 times the number of failing banks – from just over one percent to around 10 percent.
    AABD recorded this podcast episode  prior to the filing of a lawsuit by various bank trade associations
    Ken Thomas is the president and CEO of Community Development Fund Advisors and author of the seminal book on CRA. He taught at Wharton Business School for 42 years and serves on the Board of Directors of a community bank.
    *****
    Thanks to our guest, Ken Thomas: https://www.communitydevelopmentfund.com/about/ 
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 12 min
    Preparing for Your Next bank Examination in Light of Recent Bank Failures | Calling All Bank Directors Ep. 50

    Preparing for Your Next bank Examination in Light of Recent Bank Failures | Calling All Bank Directors Ep. 50

    The recent failures of Silicon Valley Bank, Signature Bank, and First Republic Bank have upped the ante for your next examination. Expect it to be rigorous and searching for opportunities to take enforcement action against your bank, directors, and officers.
    Banking agencies have ramped up their review of bank liquidity, investments, and asset/liability management (ALM) in response to the failures and a flood of enforcement actions is anticipated. To help banks and their boards of directors and officers prepare, host David Baris is joined by David D. Gibbons to discuss preparing for your next examination.
    David Gibbons has extensive financial services experience with a unique blend of public and private sector experiences as a senior bank regulator, a practicing Chief Risk Officer, a financial services risk management and regulatory advisor, and a testifying expert. He serves as a member of AABD’s Task Force studying how a bank director’s risk of personal liability may be mitigated consistent with safe and sound banking.
    *****
    Thanks to our guest, David Gibbons: https://daviddgibbons.com. 
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 9 min
    New Fair Lending Challenges Facing Banks and Bank Directors and Officers | Calling All Bank Directors Ep. 49

    New Fair Lending Challenges Facing Banks and Bank Directors and Officers | Calling All Bank Directors Ep. 49

    In this episode, host David Baris is joined by Troutman Pepper Partners Lori Sommerfield and Chris Willis to discuss changes in fair lending regulation and supervision that represent new challenges to banks and their directors and officers. They are co-authors of the Practical Handbook on Fair Lending for Bank Directors and Executive Officers, 2nd Edition.
    Lori and Chris identify the important changes that have occurred since the Handbook’s first edition in 2016, including more regulatory emphasis and actions relating to redlining, disparate impact, and redefinition of the statutory term “fair” to include discrimination.
    At Troutman Pepper, Lori and Chris represent banks, bank directors, and other bank officers in fair lending compliance, enforcement, examinations, and litigation. 
    *****
    Thanks to our guests:
    Lori Sommerfield: https://www.troutman.com/professionals/lori-sommerfield.html 
    Chris Willis: https://www.troutman.com/professionals/chris-j-willis.html 
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 6 min
    Planning for a Sale of Your Bank | Calling All Bank Directors Ep. 48

    Planning for a Sale of Your Bank | Calling All Bank Directors Ep. 48

    In this episode, David Baris is joined by Dave Martin to discuss the factors that influence banks to sell, and how the selling bank can plan to maximize its appeal to a buyer and the consideration paid in the transaction.
    Dave details the essential role that the buyer/seller ratio, which considers the number of potential buyers that exist in the bank’s market, plays in the likelihood that a bank can be sold. He also explains the practical steps that a bank can take to improve its attractiveness and value to a buyer.
    Dave Martin advises banks on whether it is an opportune time to sell the institution and how to do it. With Mellon and several investment firms, he has represented banks in numerous bank mergers and acquisitions.
    *****
    Thanks to our guest, Dave Martin.
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 14 min
    The Search For and Selection of Great Bank Directors | Calling All Bank Directors Ep.47

    The Search For and Selection of Great Bank Directors | Calling All Bank Directors Ep.47

    In this episode of Calling All Bank Directors, Women2Boards Founder and CEO Nancy Sheppard addresses how to go about finding great bank directors. 
    She identifies specific strategies to tap into a variety of talented and qualified people from a variety of backgrounds, including women, ethnic minorities, and those outside the community or communities served by the bank.
    Prior to founding Women2Boards, Nancy served for over 20 years as CEO of Western Independent Bankers (now the Western Bankers Association).
    *****
    Thanks to our guest, Nancy Sheppard: https://women2boards.com/ 
    Calling All Bank Directors is the podcast of the American Association of Bank Directors. AABD has been your advocate since 1989 and our podcast, hosted by AABD President David Baris, is designed to keep you well informed to help protect both you and your bank.
    Questions? Contact dbaris@aabd.org.

    • 16 min

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