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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.


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@mobankers @mobankers Missouri Bankers Association


American Bankers Association Perspective Playing the Long Game . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6


Department News Government Relations: Moving Forward With New State Legislative Session . . . . . . . . . . . .8 Legal: Dealers Selling Cars With Title Defects — Te Need for Electronic Titles in Missouri . . .9 Compliance: Common CTR Issues . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Education & Marketing: Ending 2020 With Anticipation, Hope for the New Year . . . . . . . . 11 MBA VEBA: MBA VEBA — A Rewarding Commitment . . . . . . . . . . . . . . . . . . . . . . .12


Cover Story Banking on Experience . . . . . . . . . . . . . . . . . . . . . . . . 14 Retired bankers Bill Owen, Terry Tompson to begin terms in Missouri House of Representatives


Guest Commentary Promontory Interfinancial Network Changes Name to IntraFi Network . . . . . . . . . . .18 Tree Tings You Need to Know About Force Majeure During a Pandemic . . . . . . . . 20 Te Operation Game . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22


Around the State MBA Honors Moreau as Young Banker of the Year . . . . . . . . . . . . . . . . . .24 Achievements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 50 Year Club Honorees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 MBA’s 2020 Year in Review . . . . . . . . . . . . . . . . . . . . . . . . . .29


From our Chairman New Year Brings New Opportunity for Advocacy, Making a Difference . . . . . . . . . . . . . . .2


From our President and CEO Elections Have Consequences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5


THE MISSOURI BANKER 1


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