Pub. 18 2021 Issue 2

Table of Contents	4
President's Message: Two Year Review as NMBA President	6
Executive Vice Presidents Message: Thanks to Jason Wyatt and Government Relations	8
Washington Update: Time's Up: Congress Must Stop Credit Union Purchases of Taxpaying Banks	10
"Instant" is Coming to Payments	12
A Closer Look at the U.S. Housing Market	15
Resuming CECL Compliance Planning	18
Embrassin Digital Staements to Enhance Customer Engagement	20
The Black and White of TRID Timing	22
Bank News	25
Banker on the Move	6

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