4 FLOURISH Marching Into 2026 on the Advocacy Frontline By Rebeca Romero Rainey, President and CEO, ICBA 6 Off and Running Community Banks Set for a Robust 2026 By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 9 The Mental Toll of Money Stress and How to Support Your Account Holders By Fred Stapleton, VP of Relationship Management, CSI 11 2026 Community Bankers for Compliance Program Guiding Community Banks to Achieve Effective In-House Regulatory Compliance 13 How To Harden Microsoft 365 for Maximum Security in Financial Institutions By RESULTS Technology 16 Inviting Questions to Spark Better Conversations By Lindsay E. LaNore, Senior Executive Vice President, Chief Learning & Experience Officer, ICBA 18 Unlock Hidden Card Revenue with BINs By Jacob Eisen, CEO, ICBA Payments 19 SAVE THE DATE 2026 Annual Convention & Trade Show July 22-24, 2026 20 FDIC Interest Rate Restrictions Rate Limits Under 12 CFR Part 337.7 By Debbie Walker, Director of Regulatory and Compliance, QwickRate 22 Anniversaries 23 Officers and Directors 23 Products and Services Reference List 26 Bank Webinars Live & On-Demand CONTENTS ISSUE 1 www.cbak.com ©2026 The Community Bankers Association of Kansas (CBAK) | The newsLINK Group LLC. All rights reserved. In Touch is published six times per year by The newsLINK Group LLC for CBAK and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of CBAK, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. In Touch is a collective work, and as such, some articles are submitted by authors who are independent of CBAK. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. 9THE MENTAL TOLL OF MONEY STRESS AND HOW TO SUPPORT YOUR ACCOUNT HOLDERS 16 INVITING QUESTIONS TO SPARK BETTER CONVERSATIONS 6OFF AND RUNNING 3 In Touch
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