Pub. 13 2023 Issue 2

In This Issue	4
America’s Banks Are Stronger Together	6
Section 1071 Final Rule What You Need to Know	8
Congratulations AZBA! 2023 Hermes Awards Winner!	11
Keep It Long Enough, It Will Come Back In Fashion Buydown Program Considerations	12
Congratulations! AZBA 2023 Communicator Award Winner!	14
Are Password Managers Secure?	16
They Opened Your Email. Now What?	18
U.S. Banks To Stockpile ‘Precious’ Deposits With Recession Forecast Forecast	20
Helping Small Businesses Go International	22

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