Florida Banking February/March 2026

We Need Your Action in D.C.! PRESIDENT'S PERSPECTIVE

the risks to small business and local community lending through bank deposits. We support digital asset markets regulations that ensure a level playing field for banks as they continue innovating and serving the economic interests of their communities and customers. • D.C. is focused on affordability and legislative efforts that would drive mixed results. On one hand, reforms to increase residential housing supply in market-enhancing ways; on the other, reintroduction of a credit card interest rate cap and Durbin-Marshall that would harm the consumers they seek to help. Evidence shows a 10% interest rate cap would reduce credit availability and be devastating for millions of American families and small businesses that rely on and value their credit cards. As bankers, you know “swipe fees” support pro-consumer services including security and privacy, while reducing those fees will not reduce costs for consumers. Your continued advocacy on these issues matters – you can speak practically and specifically about how they will impact constituents. • With our support, Congress could enact the most consequential bank regulatory reforms since S. 2155 – right-sizing asset and regulatory thresholds, tailoring requirements and encouraging de novo formation that would enable banks to focus on your core mission and business. Check out the Main Street Capital Access Act! Reach out to me anytime with questions!

As part of your calling every day as bankers, you are embedded in the communities you serve. You have tremendous networks as managers, through customers and partners, with community leaders and influencers. It takes an additional, short step to engage those networks toward policy outcomes that will better serve your communities. That’s grassroots activism and constituent action, and it moves the needle! Specifically: • Sign up for the ABA Washington Summit (March 9-11) or the ICBA Capitol Summit (May 4-7). Attend the FBA Annual D.C. Fly-In (Sept. 14-16). • If you cannot make it in person, respond to calls for action and share them with your network. There is power in our numbers, but only if we make them known. Make sure you’re getting FBA communications. • FBA is piloting a new advocacy toolkit – host a legislator at your bank or in your community. What is at stake? Congress is wrestling with consequential issues, and ensuring durable solutions means putting them into law. Here are a few updates: • Digital assets are no longer on the fringe. Stablecoins provide a payment mechanism established in law. Yet, key issues remain as Congress considers market structure regulations. The GENIUS Act recognizes stablecoins are not deposits and precludes stablecoin issuers from paying interest, rewards or yield. Other crypto players, notably exchanges, do not see this limitation applying to them. FBA has urged Congress to close this loophole, citing

FBA PRESIDENT & CEO “

KATHY KRANINGER

Digital assets are no longer on the fringe. Stablecoins provide a payment mechanism established in law.”

Upcoming Event Women in Leadership Conference

Orlando, Marriott Lake Mary Learn more: floridabankers.com/women April 9-10, 2026

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