2025 Pub. 4 Issue 3

President’s Message: Collectively Advocating for Community Banking	4
Flourish: Let’s Come Together To Address Fraud	6
Portfolio Management: Fannie and Freddie 3.0	8
Compliance Q&A	10
Payments Pulse: Changing for the Better	14
Top 10 ACH Audit Findings of 2024	16
The Onus of “On Us” Checks	18
What Will Happen to FinCEN’s Priorities?	20
NICB Endorsed Partners	22
Associate Members 2025	22
Banker Showcase	23

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