Pub. 4 2015 Issue 5

l e a d i n g a d v o c a t e f o r t h e b a n k i n g i n d u s t r y i n k a n s a s 4 © 2015 Kansas Bankers Association | The newsLINK Group, LLC. All rights reserved. The Kansas Banker is published eight times each year by The newsLINK Group, LLC for the Kansas Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Kansas Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or serviced advertised. The Kansas Bankers Association is a collective work and as such some articles are submitted by authors that are independent of the Kansas Bankers Asso- ciation. While The Kansas Banker encourages a first print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at: 855-747-4003. 11 32 8 6 KBA Federal Affairs Committee 2015 Advocacy Trip To DC 8 Bank Leaders of Kansas Session Three March on the Hill 10 KBA Leaders Ledger 11 Ensuring TNC Drivers are Insured By Kathy Taylor, SVP, General Counsel 12 Security Officer’s By-Word By Charles M. Towle 14 Take Your Lawmaker To Work By Frank Keating, President and CEO American Bankers Association 16 Bert Ely’s Farm Credit Watch ® Shedding Light on the Farm Credit System, America’s Least Known GSE Cobank Gets More Aggressive in Lending Outside Its Charter By Bert Ely 22 What Socks Taught Me About Customer Experience By Andy Elliott 24 Would You Change Banks for a Better Bank App? By John Fletcher, Senior Research Analyst, SNL Financial 26 Beyond Cranky People (BCP): Discovering “Plan B” 30 Repeal of KSA 9-111D Benefits Kansas Banks By Christopher Kuckelman, Legal Intern, J.D. Candidate 2016 32 Integrating The Real Estate Settlement Act/Truth in Lending Act Disclosure By Billy Seitz, BKD, LLP, bseitz@bkd.com