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 Perspective on the Paycheck Protection Program ........................................... 6


Department News Government Relations: Bankers Voice Concerns to Missouri Congressional Delegation .......... . . .8 Legal: Convenience Store Gaming Machines May Present BSA Questions for Banks .......... . 9 Compliance: A Prohibited Basis in Regulation B Clarified ................................. 10 Education & Marketing: Bankers Return to School ....................................... 11


Views from Washington, D.C. Ending Operation Choke Point for Good ................................................. 12


Cover Story Here’s To Our Heroes .................................... 14 MBA salutes bankers for their commitment, dedication to their communities


Guest Commentary 3 Tips for Bank Leaders in Today’s Environment ...................................... 19 Te Coming Bankruptcy Wave: A Bankruptcy Overview for Creditors ............... 22 Fighting Fraud: An Inside-out Approach ......................................... 24


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Around the State Everett, Buckner, Fish Nominated for MBA Offices .......................... 26 Seven Graduates Receive $1,000 MBA Foundation Scholarships ........... 27 MBA Foundation to Award InternConnect Scholarships Tis Fall ....... 27 Achievements .................................................... 28


From our Chairman Keep Making A Difference ............................................................. 2


From our President and CEO ECORA: Te Key to Lowering Ag Borrowing Costs ...................................... 4


THE MISSOURI BANKER 1


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