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Election Guide and Action Plan Action and Guide Election NOVEMBER 2018 WISCONSIN BANKERS ASSOCIATION FOUNDED 1892 Election Guide and Action Plan Your guide to corner, and while every Key Races between incumbent Rep. Committee (GRC). “The election is important, In Wisconsin, the Glenn Grothman and closer things are to home, key races, hot the results on Nov. 6, three most important business executive Dan the more important they topics, and why 2018 will have far- races for bankers Kohl (D). Each of these are.” Outside of local reaching implications to watch are: 1) the races has significant municipal elections, it you need to for Wisconsin’s banking gubernatorial race implications for the doesn’t get closer to get involved industry. This article between current Gover- banking industry. home than the governor’s highlights the most nor Scott Walker (R) “I’ve learned that race, and bankers should By Amber Seitz significant races and and State Superinten- ‘all elections are local,’” consider the current The mid-term elections topics to watch and dent Tony Evers (D); said WBA Chair-Elect status quo when they are right around the explains how you 2) the U.S. Senate race Mark Meloy, president/ go to the can help defend and between current State CEO of First Business polls. promote our industry. Senator Leah Vukmir Bank, Madison and (R) and incumbent Board liaison to the Tammy Baldwin (D); WBA Government and the 6th Congres- Relations sional District race (continued on p. 24) “A Great Time to Be a Great Banker” Uncertain times require Wisconsin ag lenders to step up risk management, communication By Amber Seitz Europe and China— was announced on change in the treaty is the latter of which September 30. The new the end of Canada’s received $299 million in United States-Mexico- Class 7 milk price, Wisconsin agricultural After months of Canada Agreement, which had allowed exports in 2017, an uncertainty, a new trade or USMCA, replaces Canadian producers increase of 27.6 percent agreement between the North American to sell certain milk over 2016**—present the United States, Free Trade Agreement ingredients below a continued risk to all Canada, and Mexico (NAFTA). One notable the price charged ag-related industries. by U.S. producers. Wisconsin’s ag lenders Since Wisconsin must stay up-to-date on exported $1.45 billion the trade markets and in agricultural goods maintain sound risk to Canada and $412 management practices million to Mexico in if they are to serve their 2017,* the newly minted customers well during treaty provides a not- this difficult period. insignificant level of stability to a market that Prolonged Uncertainty UMS While the USMCA Madison, WI 53718 WI Madison, has been in flux for a PAID brings some stability U.S. POSTAGE U.S. long time. 4721 South Biltmore Lane Biltmore South 4721 back into the market, PRSRT STD PRSRT However, looming Wisconsin Bankers Association Bankers Wisconsin trade negotiations with (continued on p. 22) 2 NOVEMBER 2018 Message from the Chair Your Voice Matters, So Be Part of the Political Process By David P. Werner banking candidates easy with visits in Washington D.C., our With pivotal mid-term Wisbankpac. The PAC is State Capital in Madison, and elections right around the Message from WBA’s registered political receptions with politicians corner, I decided to use this the Chair action committee, and it that my voice matters. Our column to emphasize the David P. distributes funds to candidates representatives work for us and importance of being involved Werner who support our industry from they need to hear from us on and explain how easy it can be. both parties. It is easy because issues that matter to us. WBA has been urging bankers once you donate, you’re done. Also, money is important to tell our story and the story of You do not need to release funds to give us a seat at the table. our industry for several years. advocacy team sends out The for certain races or times of the I always knew that monetary Making our voices heard is a Pundit, an electronic bulletin year, and neither your name nor support of candidates was powerful way we as individuals updating the industry on key your bank’s is attached to the part of the process. What I can improve the image of legislative and political issues, funds you give. If you’re did not know was the level of our industry and spread the on an as-needed basis. You can interested in donating to any of importance monetary support message that we are here to sign up on wisbank.com if you WBA’s political action funds, has in gaining the opportunity help our communities prosper. don’t already receive it. WBA’s please contact WBA’s Jon to meet with our political When it comes to the political website is another good source Turke (608-441-1215, leaders. Campaigns are more arena, the most fundamental of advocacy information, with [email protected]). expensive than ever, and it way to make your voice heard articles about current legisla- However you choose to get is very important that those is to vote. Make sure you fill tion, political happenings, and involved, it is important to be politicians who support our out your ballot on November 6. more. These and other resources active politically. Prior to joining agenda, regardless of party, There are other ways to get are available on WBA’s website the WBA Board, I was not what receive our support. involved, too, and WBA makes at www.wisbank.com/advocacy. one would call “politically Werner is president and CEO it easy. If information is what Finally, WBA makes active.” However, I have since of Park Bank, Milwaukee and you’re looking for, WBA’s monetarily supporting pro- learned through congressional the 2018-2019 WBA Chair. Your Business. Safe. Trust our highly skilled team to provide a secure and dependable Information Technology experience. You can focus on your business while we focus on your IT. Chris Myhre President Advantage Community Bank 844.365.4968 | eojohnson.com To receive our The Locknet support center is our IT help desk for all of our employees. I personally called free article on “ the top IT issues the support center with a number of issues to see rst-hand how easy it would be to connect to focus on in and get answers. They exceeded all my expectations. When I tell my employees to use the 2018, scan here: support center I can say it with con dence because it works! ” — Chris Myhre, President – Advantage Community Bank Originally founded as Dorchester State Bank (Dorchester, WI) in 1906, Advantage Community Bank has expanded to Wausau, Mosinee and Edgar, WI. The bank has $145M in assets and 28 employees. NOVEMBER 2018 3 4 NOVEMBER 2018 Originating QM Balloon Mortgage Loans Definition of “small creditor”under ATR rules Can Banks Originate small creditor status, even if Qualified Mortgage Balloon Visit www.wisbank.com to learn an area is not rural, a financial more about this topic and other Loans? Compliance institution can still use the Q&A compliance-related issues. QAnswer: Yes. Small creditors U.S. Census Bureau’s 2012 can originate Qualified Scott delineation of urban areas to Birrenkott Mortgages (QM) under the or underserved area in the determine whether it’s in a general and temporary QM previous year. “rural” area for purposes of the Adefinitions. WBA has received An area is rural if it is ATR/QM rule. numerous questions on the within a census block that is As a final option, financial definition of “small creditor.” QM status under the Ability to not in an urban area, as defined institutions also have the As such, this Q&A will focus Repay (ATR) rules. by the U.S. Census Bureau ability to apply to the CFPB on that definition rather than If a financial institution using the latest decennial for the area to be designated the general and temporary QM desires to originate a QM census of the United States. as rural. definitions. balloon loan, it must be a The most recent delineation Birrenkott is WBA assistant director First, WBA reminds banks small creditor. Originally, of urban areas was published – legal. For legal questions, please that no rule or regulation CFPB expected banks to by the U.S. Census Bureau email [email protected]. prohibits origination of a non- operate “predominantly” in a in 2012. When considering Note: The above information is not QM status balloon loans. So rural or underserved area to whether an area is “rural,” intended to provide legal advice; long as bank’s own loan policy obtain small creditor status banks have options. One rather, it is intended to provide permits it, if a bank does not (predominantly meaning option, that of “urban area,” general information about banking meet the small lender status 50 percent or more loans). is updated every 10 years. issues. Consult your institution’s for QM balloon loans, the CFPB changed that test Specifically, an area can be attorney for specific legal advice bank can still do balloon loans. to instead require “at least rural if not in a non-urban or assistance. Such loans will not have the one” transaction in a rural area. Thus, for purposes of Wisconsin Lawyers for Wisconsin Banks. THE BOARDMAN BANKING GOUP For over 40 years, we have worked side-by-side with community banks throughout Wisconsin to navigate the complex legal issues affecting all aspects of their business. From compliance to lending, from mergers and acquisitions to employment, our attorneys provide an unrivaled breadth of services to meet our clients’ needs.
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