Pub 20 2023 Issue 3

Contents	4
Welcome 2023-2024 NMBA President mark Horn	6
Welcome to Yellowstone! An Annual Convention update	8
Advocating for ACRE: How Congress Can Help Rural America	10
Labor Strikes and what they represent in the Economy	12
Is it time to Hedge Interest Rate Risk with a Forward Rate Lock?	15
New Mexico Mortgage Finance Authority's Restoring our Communities Program	18
Staying Vigilant: How to Protect your customers and your institution from fraud in Uncertain Times	20
NMBA 111th Annual Convention Recap	22
Bank News	25
In Memoriam	26

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