Pub. 12 2024 Issue 1

TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association 5 WASHINGTON UPDATE The Real Losers in the Reg II Fight By Rob Nichols, President and CEO, American Bankers Association 6 Banker Day at the Utah State Legislature Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 8 Zions CEO Closes Chapter in Exceptional Career 11 Utah Bankers Go to Washington, D.C. 12 The Edulogue By Beth Parker, Director of Education, Utah Bankers Association 14 2024 Ag Outlook & Conference Report By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 16 Help Your Business Customers Get a Grip on Cash Management By Jay Kenney, SVP & Southwest Regional Manager, PCBB 18 Bankers on the Move 20 Bank Kudos 23 UBA Associate Members 26 Loud Budgeting Explained In a World Where Financial Openness Has Been Historically Hush-Hush, It’s Time To Turn Up the Volume By U.S. Bank Utah Banker 3

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