Pub 20 2023 Issue 4

President's Message: Winter Travels	6
Executive Vice President's Message: What Is ESG? A Brief Overview	8
Washington Update: Against a Rising Tide of Regulation, Banks Must Row Together	12
From Vision to Velocity: The Making of the FedNow Service	14
America’s Persistent Housing Crisis	16
New Mexico Mortgage Finance Authority’s Programs Assist With Homeownership, Weatherization and Reha	19
In Memoriam	23
Bank News	23

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