Pub. 12 2024 Issue 1

The Bottom Line	4
Washington Update: The Real Losers in the Reg II Fight	5
Banker Day at the Utah State Legislature Recap	6
Zions CEO Closes Chapter in Exceptional Career	8
Utah Bankers Go to Washington, D.C.	11
The Edulogue	12
2024 Ag Outlook & Conference Report	14
Help Your Business Customers Get a Grip on Cash Management	16
Bankers on the Move	18
Bank Kudos	20
UBA Associate Members	23
UBA Staff	25
Loud Budgeting Explained: In a World Where Financial Openness Has Been Historically Hush-Hush	26

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