2026 Pub. 5 Issue 3

Flourish: Battling Check Fraud Together	4
Portfolio Management: In With the New	6
Innovation Station: Leveling up Fraud Mitigation	8
Building the Foundation for Effective AI	10
Community Bank Bond Portfolios Are Finally Turning the Corner	12
Risk Assessment Is the BSA Key	14
Home Mortgage Disclosure Act (HMDA) Requirements and Recommended Practices	16
Why Community Bank Managers Need Better Conversations	18
NICB Endorsed Partners	19
Associate Members 2026	19

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