Spilman Thomas & Battle
Fourth Quarter 2015
Community Banking Excellence
Executive Editor Timothy R. Moore    |    336.631.1059    |    tmoore@spilmanlaw.com

This past year has seen many changes in the community banking industry. Some of these issues we expected and some had more of an impact than maybe we would have thought. As we reflect and look forward to 2016, we asked several of our colleagues to weigh in regarding what we saw, what we expect and how to best prepare for the coming new year.
By: Nicholas P. Mooney II
Virtual currencies are once again at the forefront of discussion about top issues facing community banks and the financial industry as a whole. The Independent Community Bankers of America, a trade association representing more than 6,500 community banks, recently published its list of top issues for the fourth quarter of 2015. Among them were the risks associated with virtual currencies.
By: Travis A. Knobbe
While the search for efficient and simple one-size-fits-all post- bankruptcy answers is elusive, it is surprising then that two related sections of the Bankruptcy Code that apply to all bankruptcy cases in which an individual is the debtor is often overlooked. As most lenders know, the most powerful tools a borrower has at his disposal in a bankruptcy are the automatic stay and the discharge. But what many overlook, is that the discharge is subject to attack.

Your Perspective
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"Financial institutions should maintain underwriting discipline and exercise prudent risk-management practices that identify, measure, monitor, and manage the risks arising from their CRE lending activity." --- The Federal Reserve, Office of the Comptroller of the Currency and FDIC on December 18, 2015 warning financial institutions that they will require higher underwriting standards or increased capital requirements for banks focusing "too much" on CRE.