over emerging technologies. Chairman French Hill, R-Ark., has been in close discussions with relevant stakeholders in the House, Senate and Trump administration, and is working to make sure we are marching in lockstep. Many lessons were learned as the committee drafted FIT21, and I am excited to work with the chairman and committee to use those lessons learned to inform our work on market structure and stablecoin this Congress. Advancements in financial technology have the potential to revolutionize banking services. As policymakers, it is our job to ensure that consumers and investors are protected, and that the U.S. remains a leader in these emerging technologies. The problem remains, however, that without a regulatory framework that supports responsible innovation, these advancements risk being stifled. By modernizing financial regulations, we can ensure that banks can remain competitive in a rapidly evolving marketplace. A strong financial system relies on smart regulation, small business growth and innovation. By cutting red tape, expanding capital access and embracing financial technology, we can create new opportunities for banks and communities. 1 “FDIC Community Banking Study, 2020.” Federal Deposit Insurance Corp. https://www.fdic.gov/resources/communitybanking/report/2020/2020-cbi-study-4.pdf 2 “ABA urges agencies to ease regulatory burden on banks.” American Bankers Association, Oct. 30, 2024. https://bankingjournal.aba.com/2024/10/ aba-urges-agencies-to-ease-regulatoryburden-on-banks/ 3 “Frequently Asked Questions About Small Business, 2023.” U.S. Small Business Administration Office of Advocacy. March 7, 2023. https://advocacy.sba.gov/2023/03/07/ frequently-asked-questions-about-smallbusiness-2023/ 4 “Small businesses are facing a credit crunch.” Goldman Sachs, Oct. 23, 2023. https://www.goldmansachs.com/communityimpact/10000-small-businesses-voices/baseliii-endgame SWITCH TO HB DIGITAL Convert to HB Digital to enjoy: ▶ bonus links to videos, photos and more ▶ portability by smartphone and tablet ▶ early access, averaging two weeks ahead of snail mail Hoosier Banker is available free of charge to all IBA members and associate members. To start your HB Digital subscription or convert from hard copy to digital‑only, email HB@indiana.bank. Marlin Stutzman Indiana’s 3rd District U.S. Congress Rep. Marlin Stutzman is a fourth-generation farmer from Howe. He returned to Congress in 2025 after previously serving from 2010-16. In his time away from Congress, Marlin was a successful entrepreneur in the manufacturing, agricultural and food service spaces. Rep. Stutzman is a member of the U.S. House Financial Services Committee. MARCH/APRIL 2025 17 www.hokansoninc.com Property Management & Maintenance Leasing & Brokerage Development & Project Management Construction Management Corporate Real Estate Consulting Accounting Services ▪ ▪ ▪ ▪ ▪ ▪ ALL OF YOUR REAL ESTATE NEEDS IN ONE COMPANY
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