2026 Pub. 23 Issue 3

Introducing 2026-2027 NMBA President Aaron Emmert	4
Executive Vice President’s Message: 2027 Legislative Preview	6
Washington Update: It’s Time To Talk Tokenization	8
The Meaning of Affordability in Today’s Economy	10
The Housing Act’s New Reciprocal Deposit Legislation	12
A New Advantage for Homebuyers	14
Decoding the New SBA SOP	16
Preparing the Balance Sheet for Digital Money	20
John Anderson, NMBA EVP, Named to 2027 Edition of Best Lawyers in America	22
Bank News	22

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