OCTOBERőî Vol. 68, Issue 10 42 Unfinished business The passage of S.2155 was a victory for community banks. What's next? From housingfinance reform to flood insurance, here's what you need to know and how you can help features 50 Why it pays to educate your employees Professional development is no longer a nice-to-have for your community bank. It's a necessity for attracting and retaining top talent 56 The building blocks of compliance? How blockchain could be a boon for community banks-especially when it comes to regulatory compliance Cover illustration: Federico Gastaldi independentbanker.org Q 1http://www.independentbanker.org