Pub. 3 2023 Issue 1

Inside This Issue	4
President's Message: Securities in the NewYear	6
Flourish	7
From the Top	8
A View from the Capitol	9
MIBA Lobbying Report	10
Directors and Officers Seminar	11
Meet Your Missouri Lobbyist	13
Legal Eagle Spotlight: Beneficial Ownership Rules Update	14
Fixed Rate or Floating? Hybrid ARMs Give an Investor Both Features	18
What Banks Need to Know About CIS Controls	20
News From You	23
VGM FORBIN Endorsed by MIBA	24
Navigating the Potential Impact of Recent Regulatory Guidance	26
MIBA Winter Board Meeting	28
2022/23 MIBA PAC Honor Roll	29
Innovation Stations: Top 5 Innovation Trends for 2023	30
Dates and Events	31
Midwinter Seminar in Ixtapa	32
ICBA Capital Summit 2023	34

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