Last Tuesday, WBA facilitated an informal discussion between a small group of bankers and staff from the FRB-Chicago. Topics discussed included commercial real estate concentrations, technology and cybersecurity, the new compliance rating system, overdraft procedures, HMDA, CRA, Flood, and succession issues. WBA member banker attendees were Corey Davis, Baraboo State Bank; Ryan Kamphuis, Bristol Morgan Bank; Jerry O’Connor, NBW Bank; and Steve Peotter, Oregon Community Bank. Representing the FRB were Rebecca Chmielewski, VP Supervision and Regulation-Consumer; Patrick Wilder, VP Supervision and Regulation-Safety and Soundness; Mark Medrano, Asst. VP Supervision and Regulation-Safety and Soundness; and David Kitson, Consumer Supervision Manager. WBA’s Rose Oswald Poels, Daryll Lund, and Kris Cleven were also present.