Pub. 3 2023 Issue 6

President’s Message: Remaining Strong in Challenging Times	6
Flourish Cryptocurrency: A Solution Without a Problem	8
From the Top What I’m Grateful for as a Community Banker	9
A View From the Capitol Fighting the Misguided Credit Card Competition Act	10
MIBA Lobbying Report	11
Innovation Station The Great Digital Strategy Reset	13
Legal Eagle Spotlight Banks: Beware the Merchant Cash Advance	14
A Background On Charles “Chuck” Gnuse President and CEO of United State Bank	16
Open APIs Benefits, Development and What to Look For in Your Community Bank’s Hosting Provider	20
Mortgage Mélange Volatile Rates Create a Cornucopia of Options	22
How Your Data is Blocking You From Using AI and 6 Ways to Fix It	26
Security Conference: October 4-6, 2023	27
The Human Firewall	28
2023 MIBA PAC Honor Roll	31
Community Bank Impact of CFPB “Open Banking” Proposed Rule	32
News From You	34
Mark Your Calendar	35
Thank You to MIBA's Endorsed Vendors for their Support in 2023	36
MIBA Upcoming Events	37
Upcoming Webinar Schedule	38

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