Breaking Archive

MONTGOMERY, Ala., April 16, 2021 — The Legislature met for two legislative days this week and have now completed 23 legislative days since the start of the 2021 Regular Session on February 2.  Representatives and Senators dealt with a variety of hot topics this ...Read More

Q: What constitutes “demonstrable consent” when meeting ESign requirements? Are banks required to collect information that the consumer actually read the disclosure apart from just acknowledgement? A:  The statutory requirement can be found in 15 USC §7001, and reads as follows: “[T]he consumer— (i) ...Read More

by Michael S. Murphey Size Matters As mentioned in prior Board Briefs and as evidenced by the following graph reflecting Market Capitalization to Tangible Book Value (“TBV”) of all publicly traded community banks, size and scale is a proven way to enhance bank valuation. ...Read More