2020 Journal of Community Bank Studies

SECOND PLACE: James Madison University

Works Cited “Annual Report 2019.” F&M Bank Corp., 2020, www.fmbankva.com/wp-content/uploads/2020/03/fm_bank_annual_ report_2019_with10k_FINAL_reduced.pdf. Anti-Money Laundering . Financial Conduct Authority, 2016, Anti-Money Laundering. Ariza, Juan Carlos. Challenges of Finding the Ultimate Beneficial Owners in AML and ATF. ACAMS, 2014, Challenges of Finding the Ultimate Beneficial Owners in AML and ATF. “BSA Timeline.” FinCEN.gov , Financial Crimes Enforcement Network, www.fincen.gov/resources/statutes-and-regulations/bank-secrecy-act/bsa-timeline. “§ 5311. Declaration of Purpose.” FDIC Law, Regulations, Related Acts - Miscellaneous Statutes and Regulations , www.fdic.gov/regulations/laws/rules/8000-1300.html#fdic8000mfa5311. “Capital.” Https://Www.fdic.gov/Regulations/Safety/Manual/section2-1.Pdf, Risk Management Manual of Examination Policies Federal Deposit Insurance Corporation. Capitol Hill Staffer. Personal Interview. 30 Jan. 2020. Chen, James. “Beneficial Owner.” Investopedia , Investopedia, 4 Apr. 2020, www.investopedia.com/terms/b/ beneficialowner.asp. Farmers & Merchants Bank. Form 10-K 2019 , 2020. “Farmers & Merchants Bank.” Uniform Bank Performance Report , Federal Financial Institutions Examination Council, 31 Dec. 2019, cdr.ffiec.gov/public/Reports/UbprReport aspx?rptCycleIds=120,114,107,101,86&rptid=283&idrssd=713926&peerGroupType=&supplemental=. “Financial Conduct Authority.” GOV. U.K. , www.gov.uk/government/organisations/financial-conduct-authority. Hanna, Mark. Personal Interview. 27 Feb. 2020. Hise, Meghan. Personal Interview. 14 Feb. 2020. Park, Niki. Personal Interview. 14 Feb. 2020. “Industrial Hemp Production: A Risk Assessment.” TheFencePost.com, Colorado State University Extension, 28 June 2019, www.thefencepost.com/news/industrial-hemp-production-a-risk-assessment/. Rodriguez, Julie. “Case Study: Yellow Hammer BSA.” Jack Henry Banking, 2015, file:///C:/Users/18048/Downloads/jhbcs_yellowhammer_bsa_bradynationalbank.pdf. Accessed 9 Mar. 2020. Rose, Karen. Personal Interview. 25 Feb. 2020. Rowe, Robert. “What Compliance Needs to Know About Hemp.” ABA Banking Journal , American Bankers Association, 3 Feb. 2020, bankingjournal.aba.com/2020/02/what-compliance-needs-to-know-about- hemp/.

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