TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 6 The Fraud Fight Continues By Rob Nichols, President and CEO, American Bankers Association 7 Bankers and Business Partners Hit the Links for 10th Annual Golf Classic 8 Utah Bankers Make Their Voices Heard in D.C. 9 Friends of Utah Banking Brings Bankers and Legislative Leaders Together 10 What Does the New Reciprocal Deposit Legislation in the Housing Act Mean for U.S. Banks? By Joe Hooker, Chief Sales Officer, IntraFi 12 The Long Tail of PPP Why Bank Customers Are Being Targeted Again By Jeff Otteson and Adam Dawson, Midwest Bankers Insurance Services 14 2026 Community Reinvestment Act Conference Explores New Ideas and Opportunities 16 How Lenders Can Use the SBA Program for Their Manufacturing Clients By Christopher Myers, CEO, B:Side Capital & B:Side Fund 17 AI-Native Conference Brings Banking and Fintech Leaders to Salt Lake City 19 Bank Kudos 22 Bankers on the Move 24 Welcome to Our New Associate Members! 25 UBA Associate Members 27 UBA Staff Utah Banker 3
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