Pub. 2 2023 Issue 6

President's Message Navigating the Year-End Waters	4
Flourish Cryptocurrency A Solution Without a Problem	6
Surviving Versus Thriving in Today’s Market	8
Mortgage Mélange Volatile Rates Create a Cornucopia of Options	10
2024 IT Budgeting Guide Where to Allocate Your Bank’s Resources	13
Training The Foundation of Effective Compliance	17
AI in Lending Decisioning and Unintended Discrimination	22
NICB Endorsed Partners	24
Associate Members 2023	24
Bank Training Webinars	26

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