INSIDE THIS ISSUE 13 16 22 24 Published for the Missouri Independent Bankers Association P.O. Box 1765 Jefferson City, MO 65102 573.636.2751 | miba.net Editor: Matthew S. Ruge Executive Director ©2023 The Missouri Independent Bankers Association | The newsLINK Group, LLC. All rights reserved. The Show-Me Banker Magazine is published six times a year by The newsLINK Group, LLC for The Missouri Independent Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of The Missouri Independent Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Show-Me Banker Magazine is a collective work, and as such, some articles are submitted by authors who are independent of The Missouri Independent Bankers Association. While The Missouri Independent Bankers Association encourages a first-print policy; in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at 855.747.4003. 6. PRESIDENT’S MESSAGE Remaining Strong in Challenging Times 8. FLOURISH Cryptocurrency: A Solution Without a Problem 9. FROM THE TOP What I’m Grateful for as a Community Banker 10. A VIEW FROM THE CAPITOL Fighting the Misguided Credit Card Competition Act 11. MIBA Lobbying Report 13. INNOVATION STATION The Great Digital Strategy Reset 14. LEGAL EAGLE SPOTLIGHT Banks: Beware the Merchant Cash Advance 16. A Background On Charles “Chuck” Gnuse President and CEO of United State Bank MADE IN THE USA 20. Open APIs Benefits, Development and What to Look For in Your Community Bank’s Hosting Provider 22. Mortgage Mélange Volatile Rates Create a Cornucopia of Options 24. How Your Data Is Blocking You From Using AI and 6 Ways To Fix It 27. Security Conference October 4-6, 2023 28. The Human Firewall 31. 2023 MIBA PAC Honor Roll 32. Community Bank Impact of CFPB “Open Banking” Proposed Rule 34. News From You 36. Thank You to MIBA’s Endorsed Vendors for Their Support in 2023! 37. MIBA Upcoming Events 38. Upcoming Webinar Schedule 4 | The Show-Me Banker Magazine
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