Pub. 12 2024 Issue 3

TABLE OF CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 It’s Time to Stop Punting on Credit Union Accountability By Rob Nichols, President and CEO, American Bankers Association 6 Utah Bankers Visit Washington, D.C. 7 8th Annual UBA Golf Classic Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 8 Looking at the Big Picture Fair Lending Concerns on Valuations By Jessica D. Lamoreux, JD, Assistant Vice President and Associate General Counsel, Compliance Alliance 10 3 Ways Smaller Banks Are Leveling the Playing Field By Cetin Duransoy, Chief Executive Officer, Raisin US 12 Beyond a Buzzword A Look Into the World of Digital Transformation in Banking By Megan Cummins, Strategic Consultant, Engage fi 14 UBA’s Community Reinvestment Conference By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 16 Emerging Bank Leaders Networking Event at Topgolf Sept. 18, 2024 17 Unlock More Profitable Customer Relationships By Jay Kenney, SVP & Southwest Regional Manager, PCBB 18 Unprecedented Coalition Launches to Counter Rising Fraud in Utah 20 Bank Kudos 22 Bankers on the Move 24 UBA Associate Members Utah Banker 3

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