Management at Work Imagine a group of senior bankers at United Amalgamated Bank sitting around a table discussing the bank's future. They want to make sure that the bank is strong and secure despite a rapidly changing environment. Concerned, the bankers try to imagine what might be ahead and what actions they should take to keep their bank profitable. Statement Strategic Review Process Element The Durbin Amendment to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 dramatically lowered the fees we can charge merchants when consumers pay with debit cards. One way around this will be to reinstate fees on all of our checking accounts, including those with automatic deposits. Interest rates have fallen every year for the past 5 years. Depending on who gets elected, our high-net-worth depositors will see dramatic differences in the way they are taxed. The Democratic candidate will impose larger taxes on high-income citizens, while the Republican candidate will reduce taxes or spread them more evenly across all citizens.