Independent Banker - December 2019 - 71
Next: It's lights, camera, action for one community bank
for financial institutions and ancillary
companies that serve MRBs in states
where marijuana is legal.
" Ultimately, if the federal government
would declassify marijuana so
that it would no longer be a Schedule
1 drug, " Zick says, " then I think we
would definitely get involved in lending
to marijuana-related businesses. "
Until then, there's too much ambiguity
in the case of a loan default, he
says, adding: " Would the federal government
be able to put a lien and seize
an MRB property that had been put
up for collateral on a loan? They really
couldn't do anything with the property
because they couldn't get a clear title,
but it would just cause a huge headache
for us for several years unwinding
this. "
Best practices for banking MRBs
For other community banks considering
banking MRBs, the team at Twin
City Bank says a best practice is to
establish an open dialogue with regulatory
agencies.
" Just work with regulators. It's a
learning process for everyone, " Bartlett
says. " Help them understand the
business and how it works. There are
always new people at the regulatory
agencies who are still learning, and
we're also still learning. "
Ultimately, Twin City Bank's team
realized that MRBs are very similar to
the bank's other business customers,
Zick says.
" They have the same goals. They
want to have a successful business.
They want to make a profit, " he says.
" Even though federal regulators may
look at them as criminals for selling a
product that is illegal federally, from
our perspective, these customers aren't
doing anything different from our
other customers. "
Katie Kuehner-Hebert is a writer in
California.
" Just work with regulators. It's a
learning process for everyone. "
-Judy Bartlett, Twin City Bank
We heard from more than 2,700
community bank employees
and the results are in!
Interested in seeing aggregate data on community bank
workplace satisfaction?
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weaknesses in the Industry Overview Report, which
off ers statistically signifi cant, valuable benchmarks for
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Independent Banker - December 2019
Table of Contents for the Digital Edition of Independent Banker - December 2019
Table of Contents
Independent Banker - December 2019 - Intro
Independent Banker - December 2019 - Cover1
Independent Banker - December 2019 - Cover2
Independent Banker - December 2019 - Table of Contents
Independent Banker - December 2019 - 2
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Independent Banker - December 2019 - Cover3
Independent Banker - December 2019 - Cover4
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