Contents 4 The Bottom Line Howard Headlee, President and CEO, Utah Bankers Association 5 Washington Update: MEETING IN THE MIDDLE(WARE) Rob Nichols, President and CEO, American Bankers Association 6 TO COMPETE, OR NONCOMPETE? THAT IS THE QUESTION. By Prince Girn, Associate General Counsel, Compliance Alliance 8 2023 AG OUTLOOK & CONFERENCE By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 10 The Edulogue: ARE YOUR EMPLOYEES INNOVATIVE? By Beth Parker, Director of Education, Utah Bankers Association 11 CREATING AN EFFECTIVE ACQUISITION PROGRAM By Bill Jordan, Client Strategist, Financial Services at Vericast 14 THEY OPENED YOUR EMAIL. NOW WHAT? By Neal Reynolds, President, BankMarketingCenter.com 16 LUDWIG ON CRA REVAMP, BANK-FINTECH SCRUTINY, AND CRYPTO’S FUTURE By Rob Blackwell, Chief Content Officer and Head of External Affairs, IntraFi 18 BANKER DAY AT THE UTAH STATE LEGISLATURE By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 20 BANK KUDOS 22 Bankers on the Move 24 INSTANT PAYMENTS: LET’S GET THE BALL ROLLING By Debbie Wendt, SVP & Chief Payments Officer, Bankers’ Bank of the West 26 RISING INTEREST RATES MAY SHUT SOME COMMUNITY BANKS OUT OF FHLB FUNDING By Jay Kenny, SVP & Southwest Regional Manager for PCBB 27 UBA Associate Members 30 NEW ASSOCIATE MEMBERS Issue 1. 2023 3
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