® September 2017 ® contents departments ADVERTISER INDEX SEPTEMBER 2017 CenterState Bank............................................67 Electronic Payments......................................C3 EDR, Inc. webinar.............................................75 FIS.....................................................................6 Fiserv webinar...................................................3 IBM...................................................................49 IBT.....................................................................C2 ICBA Bancard VISA............................................4 ICBA Mortgage..................................................8 ICBA Reinsurance...........................................31 ICBA Securities...............................................47 Linked2Pay......................................................21 Maclear LLC.....................................................50 Mills Financial Marketing...............................51 Mortgage Parnership Finance.......................17 Ncontracts.......................................................52 Pagefreezer......................................................53 Pitney Bowes...................................................54 Plansmith.......................................................55 Plansmith webinar.............................................3 Promontory Interfinancial Network, LLC.....29 QwickRate........................................................65 Reich & Tang....................................................56 SHAZAM...........................................................C4 The Kafafian Group.........................................57 WebbMason Marketing..................................45 19 Risks & Rules 63 Shining a light on the unknowns Partnering with an online lending platform requires transparency and due diligence Grassroots 19 Clear relief ICBA is supporting legislation that could bring real regulatory relief for community banks 22 Gaming for change The game that teaches community bankers how ICBA and its members can affect the legislative process 66 What the Treasury report means for community banks From a Basel III exemption to easier small-business lending, the report was heavily influenced by ICBA 68 Reputation on the (red)line How community banks must prove fair lending practices Nuts & Bolts 69 Is your incident response plan ready? These days, a data breach is inevitable. Make sure you have a plan in place for when it happens 58 Lender Life 58 The non-traditionalists Some community banks are finding success by adding niche home and mortgage loans to their portfolios 61 In rising rates, a silver lining Interest rates are creeping up. How might this affect your community bank's personal and business customers? 72 Upward mobility The key to a successful mobile payments strategy is incorporating this offering with intention 74 Portfolio Management Bank-qualified muni stocks remain low. Get 'em while they're hot By Jim Reber and Justin Sparks The Back Page 76 15 Minutes With... David Mason, president of First International Bank & Trust's Bismarck, N.D., branch 76