2025 Pub. 13 Issue 4

The Bottom Line	4
Washington Update: It’s Time to Work Together to Stop Scams	5
2025 UBA Fall Compliance Conference	6
Have You Covered Fair Lending Considerations in the Debt Collection Process?	8
2025 Emerging Bank Leaders “Igniting Leadership” Conference Highlights	10
Eric Karjalainen Honored With EBL Award	12
Zero-Click Search	14
UBA Bank Executive Winter Conference	16
UBA Executive Development Program Class of 2025	18
Bank Kudos	20
Bankers on the Move	22
Welcome to Our New Associate Member!	24
UBA Associate Members	25

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