contents The Missouri 573-636-8151


Max Cook Publisher


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Lori Bruce Editor


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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 Bankers Celebrate 25 Years of Teaching Children to Save ................................... 6


Department News Government Relations: Will the Legislative Floodgates Eventually Open? .................... . . .8 Legal: DOJ Issues Guidance on ADA Website Accessibility ................................. . 9 Compliance: What is FEMA’s Risk Rating 2.0? ........................................... 10 Education & Marketing: New Innovation Showcase Highlights Insights, Services for Banks . . 11 MBA VEBA: VEBA Offers Modern Diabetes Management, at No Cost to Members .......... 12


Fintech Views Fintech and the Core: Te March Toward Open Banking ..................................... 13


Cover Story Looking Forward ....................................... 14 Banking Leadership Missouri class shares how program enhances career development


Guest Commentary Commercial Banks in Missouri, Nation Finish 2021 in Strong Position .................. 20 Bill Makes Permanent Bankruptcy Code’s Debt Limit for Subchapter V Cases ........ 22 Te State of Cybersecurity in 2022 ............................................... 24


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Missouri Bankers Association THE MISSOURI BANKER 1


Around the State 2022 Target Banker Visits .................................................. 26 Achievements ........................................................... 28


From our Chairman Bankers Must Push Back, Take a Stand for Industry ...................................... 2


From our President and CEO Banks Know What’s Best for Customers, Not Government ................................ 5


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