Thomas Walker

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Articles

Automated Teller Machines Under Federal Deposit Insurance Act

Sep 26, 2024 | natlawreview.com | Thomas Walker

When I entered community banking, one of my least favorite responsibilities was servicing the automated teller machines (ATMs). As a young officer at a small community bank, I, along with a few of our other young officers, was tasked with resupplying the bank’s local ATMs with cash, scheduling maintenance on them when they went down, and rotating being “on call” for responding to after-hours ATM problems that arose from time to time.
Defending Against Third-Party Risks Posed to Your Bank

Mar 28, 2024 | natlawreview.com | Thomas Walker

On leap day, Feb. 29, I was fortunate to participate as a member of a distinguished panel discussing third-party risk management for banks at the 2024 Banking Outlook Conference hosted by the Supervision and Regulation Division of the Federal Reserve Bank of Atlanta in conjunction with the Graduate School of Banking at Louisiana State University.
Privacy Tip #377 – China’s Threat to US: Watch 60 Minutes with the Five Eyes

Oct 27, 2023 | natlawreview.com | Thomas Walker |Todd Solomon |Jeffrey M. Holdvogt |Aaron Vance

If you didn’t get to watch “60 Minutes” on Sunday and see the “Five Eyes” warn us all about China, put it on your list to watch soon. The Five Eyes are the intelligence leaders of five allied countries: U.S., Canada, U.K., Australia, and New Zealand. I have never seen all five together before and it was daunting.
NSF Fees on Re-Presented Items May Be Unfair Even When They Are Not Deceptive

Oct 27, 2023 | natlawreview.com | Thomas Walker

For a little over a year now, banks and their regulators have exhibited an unprecedented amount of focus on non-sufficient funds (or NSF) fees charged on checks or ACH entries that are presented multiple times for payment from a consumer’s deposit account that does not have a large enough balance to pay it.
Prepare For Bank Examiners' New Focus On Liquidity

Jul 12, 2023 | law360.com | Thomas Walker

By Thomas Walker (July 12, 2023, 1:53 PM EDT) -- In 2008, as the Great Recession was beginning, I made a career U-turn and exited the practice of law to move back home and work with my father in a small community bank.... Stay ahead of the curveIn the legal profession, information is the key to success. You have to know what's happening with clients, competitors, practice areas, and industries. Law360 provides the intelligence you need to remain an expert and beat the competition.
New Focus On Liquidity Displayed by Bank Examiners

Jun 30, 2023 | natlawreview.com | Thomas Walker

In 2008, as the Great Recession was beginning, I made a career U-turn and exited the practice of law to move back home and work with my father in a small community bank. One day in my first few weeks there, my phone rang, and it was a banker with whom I had worked while at my prior law firm, calling to scold me for not telling him I was leaving. This gentleman, who had been a friend of my grandfather, was a rather gruff executive, possibly even a curmudgeon at times.
"Bank Examiners Display New Focus On Liquidity"

Jun 29, 2023 | joneswalker.com | Thomas Walker

In 2008, as the Great Recession was beginning, I made a career U-turn and exited the practice of law to move back home and work with my father in a small community bank. One day in my first few weeks there, my phone rang, and it was a banker whom I had worked with while at my prior law firm, calling to scold me for not telling him I was leaving. This gentleman, who had been a friend of my grandfather, was a rather gruff executive, possibly even a curmudgeon at times.