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contents The Missouri 573-636-8151


Max Cook Publisher


cmcook@mobankers.com


Lori Bruce Editor


lbruce@mobankers.com


The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published six times a year by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired  makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.


Address Changes


Submit address changes for The Missouri Banker to MBA, P.O. Box 57, Jefferson City, MO 65101, Attn: Database Manager or email database@mobankers.com.


American Bankers Association Perspective A Robust Recovery Requires Consistent ‘Rules of the Road’ . . . . . . . . . . . . . . . . . . . . . . .6


Department News Government Relations: Missouri General Assembly Marks Halfway Point . . . . . . . . . . . . . . . . . 8 Legal: Do Tey Listen? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Compliance: Military Lending Act Refresher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Education & Marketing: MBA Prepares for the Return of In-Person Events . . . . . . . . . . . .11 MBA VEBA: MBA VEBA Converts Medical Plans to ELAP . . . . . . . . . . . . . . . . . . . . . .12


Cover Story Lessons Learned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Bankers share perspectives of COVID-19’s effect on banking community


Views from Washington, D.C. Te Re-Emergence of Operation Choke Point . . . . . . . . . . . . . . . . . . . . . . . . . . . .20


Guest Commentary Forbearance Trending May Lead to Increase Need for Collateral Protection Insurance . . 22


Dude, Your Car is With Your Creditor: How the Supreme Court’s Decision of the Automatic Stay Impacts Creditors . . . . . . . . . . . . . . . . . . . . . . . . . . .24 A Hybrid Workforce is the Future. Is Your Bank Ready? . . . . . . . . . . . . . . . . 26


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@mobankers @mobankers Missouri Bankers Association


Around the State Showcase Your Photos in MBA’s 2022 Scenes of Missouri Calendar . . . . . 21 Discovering a Piece of MBA History . . . . . . . . . . . . . . . . . . . . . .28 Achievements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29


THE MISSOURI BANKER 1


From our Chairman Change Ensures Viability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2


From our President and CEO Cultivating a Promising Future for Tomorrow’s Leaders . . . . . . . . . . . . . . . . . . . . . . . . .4


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