TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 Shaping the Future of Stablecoins By Rob Nichols, President and CEO, American Bankers Association 6 A Day on the Links Bankers and Business Partners Tee Off in Support of Utah Banking 8 Why You’re Probably Not Ready for the Next Wave of Synthetic AI Fraud By Steve Lenderman, CFE, Head of Fraud Prevention, isolved 10 Community Reinvestment Act Conference Strengthens Banker Engagement 12 Unlocking the Full Potential of CRA Funds How Banks Can Maximize Community Impact with CDFIs By Christopher Jensen, President & CEO, RMCRC 14 How Credit Stress Testing Can Help Build Resilience By Michael Johnson, SVP & Southwest Regional Manager, PCBB 16 Bank Kudos 17 Fall Washington, D.C., Visit 18 Bankers on the Move 20 Welcome to Our New Associate Members! 21 UBA Associate Members Utah Banker 3
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