® ® May 2017 ADVERTISER INDEX MAY 2017 Cloud Lending Solutions webinar....................3 CPI Card Group................................................61 CPI Card Group webinar...................................3 Cummins Allison.............................................63 Dougherty Funding.........................................29 EDR.....................................................................8 Fannie Mae.......................................................15 FIS.....................................................................64 Freddie Mac.....................................................C3 Holtmeyer & Monson......................................21 IBT...............................................................C2, 58 ICBA Bancard VISA............................................4 ICBA Membership...........................................80 ICBA Reinsurance...........................................72 ICBA Strategic Technology Solutions..........35 Independentbanker.org..................................56 Lodestone Banking.........................................60 Modern Banking Systems..............................23 NewTek Business Services.............................11 Oculina Bank....................................................13 Promontory Interfinancial Network, LLC.....33 Pulse, A Discover Company.............................6 QwickRate........................................................81 Reich & Tang....................................................66 Semantify.........................................................62 SHAZAM...........................................................C4 Travelers..........................................................54 United Bankers' Bank.....................................79 United States Postal Service.........................25 Verafin webinar...............................................69 contents departments Risks & Rules 26 Grassroots 22 Washington Watch Discussions and hearings on the 2018 farm bill are underway 26 The infl uencers A behind-the-scenes look at the work ICBA lobbyists do on Capitol Hill on your behalf 73 CDD makes waves The compliance deadline for expanded customer due diligence requirements is next May 75 Q&A: Michael Berman, Ncontracts Expert insight on the value of cybersecurity risk assessments 77 70 Nuts & Bolts Lender Life 67 Green means go A spike in environmentally friendly projects may make green lending worth exploring 70 A slow build Construction and development lending is on the rise, but proceed with caution 77 Payments Exchange What can American banks learn from Africa's innovative mobile banking scene? 82 Portfolio Management High cash-fl ow securities may provide needed liquidity By Jim Reber The Back Page 84 15 Minutes With ... Kenny Martin, market manager for Citizens Alliance Bank 84