Utah Banker 3 TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 It’s Time to Work Together to Stop Scams By Rob Nichols, President and CEO, American Bankers Association 6 2025 UBA Fall Compliance Conference Three Days of Insight and Connection 8 Have You Covered Fair Lending Considerations in the Debt Collection Process? By Tara Booth, Virtual Compliance Officer, Compliance Alliance 10 2025 Emerging Bank Leaders “Igniting Leadership” Conference Highlights 12 Eric Karjalainen Honored With EBL Award 14 Zero-Click Search The New Frontier for Community Banks By Neal Reynolds, President, Bank Marketing Center 16 UBA Bank Executive Winter Conference Utah Bank Leaders Chart a Shared Strategy and Vision for 2026 18 UBA Executive Development Program Class of 2025 20 Bank Kudos 22 Bankers on the Move 24 Welcome to Our New Associate Member! 25 UBA Associate Members
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