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New Sheriff Brings Cfpb to a Screeching Halt NEW SHERIFF BRINGS CFPB TO A SCREECHING HALT Contents VOLUME 107 • NO. 2 • FEBRUARY 2018 8 12 16 26 Features Columns 8 Blockchain 101 4 Message from the President Your right and obligation as a citizen 5 questions every bank should ask 6 Chairman’s Forum 12 Practical action plan Welcoming Chris Furlow to TBA Three steps to help banks prepare for CECL 28 Banker to Banker 16 Embracing innovation and change First United Bank opens new training center 134th Annual Convention travels to Houston, May 2-4 29 Your Advocate 26 Community Banker Spotlight New sheriff brings CFPB to a screeching halt Uvalde cattleman rides for the brand 30 Compliance Hotline ‘It’s a Dodd-Frank world, we’re just living in it’ Jim R. Purcell Departments Immediate Past Chair John L. Holt Jr. Community Bankers Council Chair 18 News & Trends Raymond H. Rust III Regional Bankers Council Chair 24 Partner Focus A. Ford Sasser III Government Relations Council Chair 32 Bank People James D. Dreibelbis Gary Claxton Robert W. Hoxworth J. Eric T. Sandberg Jr. Chairman Vice Chair Treasurer TBA President/CEO 34 Marketplace EDITORIAL OFFICES: Olivia Carmichael Solis ADVERTISING: 203 West 10th Street, Editor Tam Nguyen Austin, Texas 78701-2388 Katherine Kolstedt [email protected] 512-472-8388 Art Director Texas Bankers Association fax 512-473-2560 203 West 10th Street www.texasbankers.com Jocelyn Carby Austin, Texas 78701-2388 Associate Editor 512-472-8388 or 800-462-7295 Jamie Tanner www.texasbanking.com/magazine FIND US ON SOCIAL MEDIA Assistant Editor @TEXASBANKERS TEXAS BANKING • FEBRUARY 2018 3 TEXAS BANKERS ASSOCIATION BOARD OF DIRECTORS Darrell W. Adams, First Bank & Trust, Seymour ERIC SANDBERG Quinn J. Alexander, First National Bank, Paducah TBA PRESIDENT & CEO Eddie Aldrete, International Bank of Commerce, San Antonio MESSAGE FROM THE PRESIDENT Coleen Beck, Union State Bank, Florence Micah C. Boles, First National Bank of Bosque County, Valley Mills Scott Bowyer, Commercial Bank of Texas, N.A., Nacogdoches Your right and obligation Harry J. Brooks, Commercial State Bank, Kingwood Danny B. Butler, Jefferson Bank, San Antonio as a citizen Gary W. Claxton, Panola National Bank, Carthage R. Terry Cullen, CTFA, First National Bank in Port Lavaca, Port Lavaca Greg Dodds, Texas Bank, Brownwood James D. Dreibelbis, Woodforest National Bank, The Woodlands Spring is fast approaching and that David A. Emerick, JPMorgan Chase Bank, N.A., Austin means it’s almost time for the 2018 pri - Robert R. Franklin, Jr., CommunityBank of Texas, N.A., Houston mary elections. Did you know, Texas is GET Jesse Lee Haggard, III, First National Bank of Trinity, Trinity the FIRST state in the nation to hold primary elections? Mark W. Hamilton, Peoples State Bank, Shepherd I can’t emphasize enough how OUT John L. Holt, Jr., NexBank Capital, Inc., Dallas important these elections are to all Michael R. Hoskins, Texas Advantage Community Bank, N.A., Alvin Texans! The reason you ask? Well, in many instances, the primary is where THE Robert W. Hoxworth, First National Bank Texas, Killeen the REAL races exist. The lower the Robert A. Hulsey, American National Bank of Texas, Terrell turnout, the more opportunity for spe - Thad W. Jennings, CPA, Community Bank & Trust, Waco cial interest groups to win elections. VOTE Roger W. Kalina, Texas Financial Bank, Big Lake TBA is one of the founding organiza - s T. Luke Longhofer, First Financial Bankshares, Inc., Abilene tions of the Texas Business Roundtable. This group represents 500,000 employers and 7 million voters. Now, just think how this Steven S. Mack, Texas Heritage Bank, Boerne group can impact the election process if everyone will exercise their Randall H. McCauley, Providence Bank of Texas, SSB, Southlake civic duty! Randy McCurley, First State Bank of Mobeetie, Mobeetie I urge you to encourage your staff to go vote. Their votes in the Robert D. Mrlik, Central Bank, Houston primary races can help elect qualified candidates. The primary elec - tions will be held March 6 and early voting begins Feb. 2. David W. Osborn, WestStar Bank, El Paso Many banks have organized political action committees and many Jim R. Purcell, State National Bank, Big Spring more have employees who contribute to TBA’s BankPac. If everyone Joseph M. Rankin, III, Sage Capital Bank, N.A., Gonzales who participates makes the effort to vote and encourages a fellow Raymond H. Rust, III, Commercial Bank of Texas, N.A., Nacogdoches employee to do the same, the business community can have a strong voice. J. Eric T. Sandberg, Jr., Texas Bankers Association, Austin The last few election cycles have produced very low voter turnout A. Ford Sasser, III, Rio Bank, McAllen and this is disturbing. Our nation was organized by the people and Steve Stapp, R Bank, Round Rock for the people and those founding fathers wanted our citizenry to Oscar Temblador, RiverBend Bank, Fort Worth have a strong voice in the way our country is governed — all through Kathy Tittle, Community Bank, Longview the election process. Now, to insinuate we have a perfect system would not be accurate; Cee Yager, Worthington National Bank, Fort Worth however, we have the best system in the world. Exercise your right to Guy W. Young, First National Bank, Quitaque vote. Call me at 512-472-8388 or email me at [email protected] Expressed opinions in any signed article of Texas Banking are those if you have questions about candidates. But go to the polls and sup - of the author and do not necessarily reflect the viewpoint of editors or the Texas Bankers Association on the subject. While this magazine port our electoral system. makes reasonable efforts to establish the integrity of advertisers, it Help yourself and help Texas by taking the few minutes out of your does not endorse advertised products or services unless specifically so stated. Texas Banking © 2017, Texas Bankers Association. Articles busy day and participate!! may not be reproduced or reprinted without the expressed written per - Remember the primary elections will be held March 6 and early mission of the Texas Bankers Association. voting starts Feb. 2! Texas Banking (ISSN 0885-6907) is published monthly by the Texas Bankers Association, 203 W. 10th St., Austin TX 78701-2388. Periodicals Postage Paid at Austin, TX and at additional mailing offices. POSTMASTER: Send address changes to Texas Banking, Texas Bankers Association, 203 W. 10th St., Austin TX 78701-2388. Annual dues of TBA members include $20 for each one-year sub - scription to Texas Banking. Annual rates for additional subscriptions are $48 for member banks and $96 for non-members. 4 TEXAS BANKING • FEBRUARY 2018 JAY DREIBELBIS TBA CHAIRMAN CHAIRMAN’S FORUM Welcoming Chris Furlow to TBA On Jan. 12, former TBA Chairman Homeland Security, Executive Jim Goudge and I traveled to TBA Director of the Homeland Security headquarters to announce to staff Advisory Council at the Department that after an 18-month search the of Homeland Security and as com - selection committee had identified munications director for former U.S. Christopher J. Furlow to fill the posi - Rep. Jim McCrery (R-La.) of the tion of CEO of the Texas Bankers House Ways & Means Committee. Association upon the retirement of Meanwhile, his national and state Eric Sandberg later this summer. political experience will be of tremen - Chris brings 25 years of experi - dous value to TBA’s advocacy efforts. ence in business, government, Chris served as national field direc - opolitics and strategic communications tor/deputy political director for the to TBA. He also has Texas ties — his Republican National Committee wife, Jan, grew up in Plano and is a Christopher J. Furlow during the 2000 presidential election graduate of Texas A&M University — and he is a former executive director a fact that impressed me greatly! “walk on water.” I believe that Chris’ for the Republican Party of Louisiana. As I stressed to TBA staff — and leadership experience, entrepreneur - On a more personal note, Chris want to express to all TBA members ial background, advocacy and cyber and Jan have four children — one in — our association is highly regarded and risk experience make him the college, two in high school and one throughout the nation. We are well perfect candidate to lead TBA. in middle school. An active 4-H known for our influence in state and His experience includes serving family, they currently live on a farm in national political affairs, and our edu - as president of Ridge Global, where Virginia just outside of D.C. and have cation and compliance products are he is responsible for managing the a small herd of cattle. second to none. operations, staff and business devel - I’d like to express my thanks to As evidence, we received inquiries opment services of the international the selection committee, which was from approximately 300 individuals, risk management consulting firm. headed by Jim Goudge and included including some political leaders and This has included advising financial Micah Boles, Ken Burgess, Ron other influential policymakers and institutions, insurance companies, Butler, Tim Cooper, Bobby Hoxworth, regulators. From this pool, we culled business associations and other Jim Purcell, Charlotte Rasche, Rusty the list to 100 candidates. After clients on cybersecurity and regula - Rust, Oscar Temblador and myself. extensive review and hours of inter - tion. And he has developed Chris will join TBA April 1; he will views, we narrowed our focus on innovative training and education pro - work closely with Eric to learn the ins three candidates, who we inter - grams for both corporate board and outs of running TBA. He will take viewed again, at length. members and small business owners. over his CEO duties on July 1. I look Our job description, which was Chris has an extensive policy forward to welcoming Chris to TBA.
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