Howard M. Headlee President howard@utah.bank Becky Wilkes Senior Vice President bwilkes@utah.bank Beth Parker Director of Education beth@utah.bank Sara Matute Director of Member Services sara@utah.bank Brian Comstock Director of Communications & Marketing brian@utah.bank UBA Staff CONTENTS 1 ©2022 Utah Bankers Association | The newsLINK Group, LLC. All rights reserved. Utah Banker is published four times each year by The newsLINK Group, LLC for Utah 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 banker 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 Utah 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. Utah Banker is a collective work, and as such, some articles are submitted by authors who are independent of Utah Bankers Association. While Utah 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. 2 The Bottom Line: By Howard Headlee, President and CEO, Utah Bankers Association 4 Washington Update No Deal: States Slam On Brakes For CU Acquisitions of Community Banks By Rob Nichols, President and CEO, American Bankers Association 6 Introducing the 2022-2023 UBA Board of Directors 7 17th Annual Women in Banking Conference By Beth Parker, Director of Education, Utah Bankers Association 8 The Edulogue Bank Training in a New World By Beth Parker, Director of Education, Utah Bankers Association 10 Banks Are Worried About A CBDC. Not Nearly Worried Enough By Rob Blackwell, Chief Content Officer at Intrafi 12 SWOT-ing at the Crisscrossing Crypto Crackdown By Theo Kelly, Associate General Counsel, Compliance Alliance 15 Utah is the Silicon Valley of Financial Services By George Sutton, UBA Legal Counsel and Former Utah Commissioner of Financial Institutions 16 114th Annual UBA Convention By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 19 Craig White Named 2022 Distinguished Banker 20 Finding New International Business Customers in Your Midst By Jay Kenney, SVP & Southwest Regional Manager, PCBB 21 Bank Kudos 24 Bankers on the Move 28 UBA Associate Members 32 Associate Member Updates 35 The Utah Court of Appeals Clarifies the Duties a Bank Owes to Customers and Non-Customers By Brent Wride, Shareholder at Ray Quinney & Nebeker. 10 2 12 15
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