January 6, 2015


Held annual State Government Relations Committee strategic planning session to identify anticipated legislative conflicts for the upcoming legislative year and a forum to develop strategy and messaging for those conflicts.

Produced and distributed Annual Legislative and Regulatory Summary detailing key state and federal legislative and regulatory issues and their outcomes.   

Extended appointment requests for introductory meetings with all newly-elected 35 freshman state legislators and participated in three meetings at the end of the fourth quarter (remaining meetings will continue in 2015).

President and CEO, Rod Brown, traveled to Washington, D.C. in December to meet with Doreen Eberley, director, FDIC Division of Risk Management Supervision, key members of the House Committee on Financial Services’ majority and minority staff and the new financial services legislative aide to Senator Dianne Feinstein.

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Fielded nearly a dozen incoming media inquiries, which focused on a wide range of issues including mobile banking, the outlook for banking in 2015, legislative issues for banks in 2015 and the issues surrounding banking medical marijuana dispensaries.

Media interviews were conducted with the Los Angeles Times, Sacramento Bee, ABC 7 (SF), Long Beach Business Journal, among other publications and news outlets.

Distributed an opinion editorial from President and CEO Rod Brown on an unproductive Congress, focusing specifically on their lack of action on reforming the qualified mortgage rule, and review of the credit unions’ federal tax exemption. The op-ed appeared in the Contra Costa Times and Pacific Coast Business Times.

Facilitated a response to a December Los Angeles Times story that contained inaccuracies with respect to the House of Representatives’ repeal of the swaps push-out rule, including comments from FDIC Vice Chairman Thomas Hoenig. The letter to the editor response, by President and CEO Rod Brown, was published the Sunday following the story’s run. We also placed a letter to the editor in the Sacramento Bee, responding to an editorial on that same issue.

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Delivered the Internal Audit Update Seminar to 18 participants.

Presented the annual the Technology & Community Banking seminar to 25 participants.

Hosted the Directors Certification Update in two locations for 66 participants.

Delivered the two-day CRE Lending program to 32 participants.

Presented Advanced IRAs to 9 participants.

Hosted the Mergers & Acquisitions seminar for 28 participants.


Hosted the 36th Annual Regulatory Compliance Conference in October for 219 attendees.

Hosted the 2014 Chief Credit Officers Symposium in November for 63 attendees.


Sold 104 online access copies of our 2014 Compensation and Benefits Benchmark Survey, plus 64 additional hard copies. Sold 16 peer group reports available only to survey participants. This report is generated from data selected from a group of at least six other participant banks, and provides another data point for banks  to compare their compensation data.

CBA CEO and senior management team developed a proposed 2015 budget and business plan for the review and approval by CBA’s executive committee, during our annual strategic planning session in December.

Recognized nine key employees who celebrated their CBA anniversaries; one with five years of service; four with 10 years of service; one with 20 years of service; two with 25 years of service; and one with 35 years of service.   

Filed an amicus letter to the California Supreme Court urging review of First California Bank v. McDonald, in which a lender’s right to a deficiency judgment was extinguished due to the “one action rule” (Code of Civil Procedure Section 726) when it failed to secure all co-borrowers’ consent to a short sale of one of the secured properties, even though there was no prejudice to the borrowers and the lender acted in good faith.  

CBA met with the commissioner of the California Department of Business Oversight and her staff, and filed a comment letter on the DBO’s proposal, published in October, to regulate subsidiaries of banks under the state’s California Finance Lenders Law. Among other things, the proposal suggests that the DBO will impose licensing and supervision requirements even on bank subsidiaries and affiliates that engage solely in commercial lending and leasing activities.  

Published Regulatory Compliance Bulletins on:

  • Assembly Bill 1770, which bolsters the standardized process to terminate a HELOC by requiring a beneficiary that provides a payoff demand statement to include in the demand the contact information for delivery of the newly created form instruction. The instruction is presented to the borrower for use to request closing the account.

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Held one CEO Roundtable held in Los Angeles with eight bankers attending.

Hosted one Department of Business Oversight Roundtable in Sacramento with 10 bankers attending

Three bank visits conducted by President and CEO Rod Brown.

Welcomed new members Balboa Thrift and Loan, California Business Bank, Murphy Bank and Partners Bank of California.

Welcomed new affiliate members Informa Research Services, Merchant e-Solutions, Sabal Financial Group, Stinson Leonard Street, LLP and Tracerisk, LLC.

Strategic Partners

Launched a new strategic partnership with Merchant e-Solutions (MeS). MeS enables merchants to securely do business through multiple channels including online, mobile and in-person. MeS is both a merchant acquirer and global processor, processing more than $14 billion in annual transaction volume and supporting 150 global currencies including all major credit cards, debit and alternative payment solutions.