©2025 The Kansas Bankers Association (KBA) | The newsLINK Group LLC. All rights reserved. The Kansas Banker is published six times per year by The newsLINK Group LLC for KBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of KBA, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Kansas Banker is a collective work, and as such, some articles are submitted by authors who are independent of KBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Executive Doug Wareham, President & CEO Kathy Taylor, JD, EVP, General Counsel Terri Thomas, JD, EVP, Legal Services Director Alex Greig, President, KBA Insurance Inc. Brenda L. Unruh, EVP, Education & Conferences, Strategic Partnerships Alex Orel, EVP, Government Relations Administration Eric Stofer, SVP, Chief Financial Officer Sara Blubaugh, SVP, Administration & Board Secretary Kelly VanZwoll, JD, SVP, Government Relations/Staff Attorney Julie Taylor, VP, Computer & Information Systems Manager J.W. Wells, Ag Division Coordinator/ Government Relations Assistant Rayanna Breashears, Administration & Special Projects Coordinator Emma Thompson, Admin Intern Education & Conferences LeAnn Mott, VP, Education & Conferences Natalie Wareham, AVP, Education & Conferences Alana Seelbach, AVP, Events/Office Coordinator Communications & Marketing Mary Taylor, SVP, Director of Communications & Marketing Bree Hull, AVP, Communications & Marketing Insurance Elizabeth Roche, SVP, Employee Benefits Administration, KBA Insurance Inc. Jenny Figge, SVP, Operations, KBA Insurance Inc. Kent Owens, SVP, KBA Insurance Inc. Cole Thompson, AVP, KBA Insurance Inc. Samantha Lee, AVP, Employee Benefits, KBA Insurance Inc. Clinton Moore, Agency Service Representative Legal Services Jamie Cosgrove, JD, SVP, Legal Department Manager Gwen Hill, JD, VP, BCS Attorney Bobby Young, JD, VP, BCS Attorney Adeel Syed, JD, VP, BCS Attorney Kerry Clark, JD, AVP, Publications Editor/Staff Attorney Sarah Lynch-Chaput, JD, AVP, Staff Attorney Meridith DeForest, AVP, Administrative Legal Assistant Tom Thomsen, JD, BCS Coordinator Darby Leitch, Legal Intern Colton Smith, Legal Intern Compliance First Banking Solutions Dylan Serrault, JD, SVP, CFBS Manager Jeff Narron, VP, CFBS Assistant Manager Neal Barclay, VP, Auditor Sarah Weltmer, VP, Compliance Operations Specialist Shannon Capps, VP, Compliance Operations Specialist Hannah Schroller Simpson, JD, VP, Compliance Operations Specialist Lew Walton, JD, AVP, Auditor Heather Williams, AVP, Compliance Operations Specialist Gabe Walker, JD, AVP, Auditor Lindsay Bryant, AVP, Compliance Operations Specialist Kat Eusey-Zuckerman, JD, Auditor CONTENTS 4 MESSAGE FROM KBA PRESIDENT & CEO DOUG WAREHAM One Big Beautiful Bill and One Very Timely ACRE Act Provision 6 Rooted in Legacy, Driven by Purpose A Conversation with KBA Board Chair Julie Hower By Mary Taylor, SVP, Communications & Marketing Director, KBA 10 WASHINGTON UPDATE Cutting Through the Noise — And the Regulatory Red Tape By Rob Nichols, President and CEO, American Bankers Association 12 2025 KBA No Ties Tour KBA Leadership Connecting with Kansas Bankers Across the Sunflower State 14 Fraud Losses (And Wins!) By Jamie Cosgrove, JD, SVP-Manager, Legal Department, KBA 15 Staying Power: A Friendship Forged in Community Banking By Brianna Hull, AVP, Communications & Marketing, KBA 18 50-Year Club Awards 20 ABA Bank Marketing Conference 21 Congratulations to Gwen Hill, JD! 20 Years of Dedicated Service 22 In Memory 24 Briefly in Kansas Banking 26 2025 KBA Educational Calendar 3
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