are the key to successful regulatory buy-in, so reduce confusion by ensuring plain-language disclosures that distinguish insured deposits from crypto-assets and explain custody, segregation and loss scenarios. The FDIC has pivoted from a 2022 posture that required prior notification and emphasized uncertainty to a 2025 framework that permits banks to engage in permissible crypto-related activities without prior approval, anchored in safety and soundness and compliance. For community banks, the opportunity is to pilot targeted use cases with proper risk-assessment controls, proactive supervisory transparency and consumer-centric clarity, while staying nimble as interagency guidance evolves. As always, our firm is happy to answer questions or provide guidance on this or any other subject. Please feel free to reach out to me or any one of our firm leaders should you have any questions. Ian is a firm principal at S.R. Snodgrass with expertise in all aspects of audit and assurance services. He is exceptionally proficient at assisting public companies in their SEC regulatory filings under the Securities Act of 1933, the Securities Exchange Act of 1934 and the Sarbanes-Oxley Act of 2002, and navigating through business combinations as well as public and private stock offerings. He is a member of the American and Pennsylvania Institutes of Certified Public Accountants (PICPA), PICPA Financial Institutions Committee and PICPA Council, and is a frequent speaker at numerous banking and accounting conferences. Sources: https://www.fdic.gov/news/inactive-financial-institution-letters/2022/ fil22016.html https://www.fdic.gov/news/financial-institution-letters/2025/fdic-clarifiesprocess-banks-engage-crypto-related https://fdic.gov/news/press-releases/2025/fdic-releases-documents-relatedsupervision-crypto-related-activities 800.228.2581 MHM.INC Now more than ever people want self-service options. With our core integrated ITMs we can make this a reality both in the lobby and in the drive-up of your branch. SELF-SERVICE BANKING 14 NEBRASKA INDEPENDENT BANKER
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