Demographic market concentration trends, regulatory changes, and business condition developments raise legal issues your bank's lawyer may not be aware of; here are my top ten:

10. Reconsider arbitration policy application; Dodd Frank changes to SOX whistle-blowing may make it less attractive to have such a policy for middle management whose most attractive claims often will be this kind of action, Pub. L. No. 111-203, 124 Stat. 1376, 1746, 1848 (codified as amended at 7 U.S.C. § 26(n) and 18 U.S.C. § 1514A(e)), and recent Supreme Court decisions allowing a proper arbitration policy to eliminate class and collective actions may make it more attractive to focus one on tellers and other non-exempt employees. See American Express Co. v. Italian Colors Restaurant, 133 S.Ct. 2304 (June 20, 2013)...