2025 Pub. 22 Issue 4

President’s Message: For the Love of New Mexico	4
Executive Vice President’s Message: Why We Must Regulate and Use Artificial Intelligence Responsibly	6
Washington Update: Opportunities Ahead - The Outlook for Banks in 2026	8
SW Graduate School of Banking Announces 2026 Programming	10
Saving Homes, Supporting Communities	12
Hiding Economic Data: For Whom and What Purpose?	14
Regulatory Shakeup for Digital Dollars	18
Choosing a Deposit Network and Maximizing Its Value for Your Bank	20
UMB Donates $750,000 to Benefit New Mexico-Based Nonprofits	22

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