Western Banker November/December 2022

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Association Update	6
Looking Forward to the Upcoming California Legislative Session	8
What’s in Store for 2023? A Legislative Look Ahead	10
Battle Ready: Cost of Funds Strategies to Win the war	14
How Banks can Foster Frictionless Consumer Experiences Without Compromising Cybersecurity	18
Ask the Compliance Guru	20
New Board Members	22
New Associate Members	24
2022 Legislative Summit	26
2022 Joint DC Visit	28
2022 WB Advertiser Index	30

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