1<!DOCTYPE html> <html class="ArticlePage" lang="en" data-page-info="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"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=5"> <title>Banks should be required to explain the reason for an account closure | American Banker</title> <meta name="description" content="U.S. regulators have made it clear that banks have the discretion to explain account closures, short of disclosing the existence of a suspicious activity report filing. They should make it mandatory."> <meta name="keywords" content="Regulation and compliance,Politics and policy,AML,FDIC,Federal Reserve,OCC,NCUA,FinCEN"> <meta name="news_keywords" content="Regulation and compliance,Politics and policy,AML,FDIC,Federal Reserve,OCC,NCUA,FinCEN"> <link rel="canonical" href="https://www.americanbanker.com/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure"> <meta name="brightspot.contentId" content="000001a0-ca2f-d513-a5b9-deffdc8a0001"> <meta property="og:title" content="Banks should be required to explain the reason for an account closure"> <meta property="og:url" content="https://www.americanbanker.com/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure"> <meta property="og:image" content="https://arizent.brightspotcdn.com/dims4/default/a84b7d6/2147483647/strip/true/crop/1020x536+0+19/resize/1200x630!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F20%2F29%2F9206281f4237893c9d8e24c92a3f%2Fcfpb-complaint-data-on-debanking-16x9.png"> <meta property="og:image:url" content="https://arizent.brightspotcdn.com/dims4/default/a84b7d6/2147483647/strip/true/crop/1020x536+0+19/resize/1200x630!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F20%2F29%2F9206281f4237893c9d8e24c92a3f%2Fcfpb-complaint-data-on-debanking-16x9.png"> <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="630"> <meta property="og:image:type" content="image/jpeg"> <meta property="og:image:alt" content="chart visualization"> <meta property="og:description" content="U.S. regulators have made it clear that banks have the discretion to explain account closures, short of disclosing the existence of a suspicious activity report filing. They should make it mandatory."> <meta property="og:site_name" content="American Banker"> <meta property="og:type" content="article"> <meta property="article:author" content="https://www.americanbanker.com/author/lissele-pratt"> <meta property="article:published_time" content="2026-09-23T11:30:00"> <meta property="article:modified_time" content="2026-09-23T11:30:03.897"> <meta property="article:tag" content="Regulation and compliance"> <meta property="article:tag" content="Politics and policy"> <meta property="article:tag" content="AML"> <meta property="article:tag" content="FDIC"> <meta property="article:tag" content="Federal Reserve"> <meta property="article:tag" content="OCC"> <meta property="article:tag" content="NCUA"> <meta property="article:tag" content="FinCEN"><meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:description" content="U.S. regulators have made it clear that banks have the discretion to explain account closures, short of disclosing the existence of a suspicious activity report filing. They should make it mandatory."/> <meta name="twitter:image" content="https://arizent.brightspotcdn.com/dims4/default/9b03d5d/2147483647/strip/true/crop/1020x574+0+0/resize/1200x675!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F20%2F29%2F9206281f4237893c9d8e24c92a3f%2Fcfpb-complaint-data-on-debanking-16x9.png"/> <meta name="twitter:image:alt" content="chart visualization"/> <meta name="twitter:site" content="amerbanker"/> <meta name="twitter:title" content="Banks should be required to explain the reason for an account closure"/><meta property="fb:app_id" content="4725977577498274"><meta name="sponsored" content="0"/> <style data-cssvarsponyfill="true">:root{--primaryColor1:#1969a0;--primaryColor2:#000;--primaryTextColor:#333;--secondaryTextColor:#666;--breakingColor:#ff6f00;--breakingTextColor:#fff;--secondaryColor1:#858585;--secondaryColor2:#ccc;--secondaryColor3:#e6e6e6;--secondaryColor4:#f5f5f5;--secondaryColor5:#fff;--secondaryColor6:#2e1764;--navItemColor:#bf9640;--subNavBgColor:#d8d8d8;--siteBgColor:#fff;--siteInverseBgColor:#000;--headerBgColor:#fff;--headerBgColorInverse:#fff;--headerBorderColor:#e6e6e6;--headerBorderColorInverse:#858585;--headerTextColor:#000;--headerTextColorInverse:#333;--headerMenuBgColor:#fff;--headerMenuTextColor:#333;--secondaryHeaderBgColor:#fff;--secondaryHeaderTextColor:#a0a0a0;--tertiaryHeaderTextColor:#737373;--footerBgColor:#000;--footerTextColor:#fff;--footerSecondaryTextColor:#999;--footerLinkColor:#666;--footerBorderColor:#333;--primaryTextColorInverse:#fff;--secondaryTextColorInverse:#ccc;--tertiaryTextColor:#999;--tertiaryTextColorInverse:#ccc;--listBorderColor:#e6e6e6;
1--gridBorderColor:#e6e6e6;--buttonBgColor:#1969a0;--buttonTextColor:#fff;--inverseButtonBgColor:#030202;--extraNavigationButtonColor1:#3c3c3c;--extraNavigationButtonTextColor1:#fff;--extraNavigationButtonColor2:#1969a0;--extraNavigationButtonTextColor2:#fff;--tagButtonBgColor:#e6e6e6;--tagButtonTextColor:#737373;--tagButtonInverseTextColor:#fff;--carouselBgColor:#f3f3f3;--sectionTextColor:#1969a0;--fontFamily:'Lato';--primaryHeadlineFont:var(--fontFamily);--secondaryHeadlineFont:var(--fontFamily);--bodyFont:var(--fontFamily);--liveBlogPrefixColor:#d0021b;--liveBlogPrefixFont:Lato;--liveBlogPrefixFontWeight:Bold;--liveBlogPrefixFontSize:40px;--liveBlogPrefixLineHeight:48px;--liveBlogPrefixLineHeight:48px}</style> <link rel="apple-touch-icon"sizes="180x180"href="/apple-touch-icon.png"><link rel="icon"type="image/png"href="/favicon-32x32.png"><link rel="icon"type="image/png"href="/favicon-16x16.png"> <link data-cssvarsponyfill="true" class="Webpack-css" rel="stylesheet" href="https://arizent.brightspotcdn.com/resource/00000192-05a5-d4ac-a1ba-e7edfc7a0000/All.min.542729220ff8d14cb3bdbb61db01774b.gz.css"> <style>iframe[title="User account interface"]{height:1300px !important}</style> <style>.PromoMediumImageRight-bottomWrapper{display:inline-block !important}.PromoMediumImageRight[data-content-type="OpinionArticle"] .PromoMediumImageRight-byline{display:flex !important}</style> <style>.DropdownNavigationItem-text label.has-nav-badge{position:relative}.DropdownNavigationItem-text svg.nav-new-badge{position:absolute;top:6px;left:-5px;width:36px;height:14px;pointer-events:none}.NavigationItem-text label.has-nav-badge{display:flex;align-items:center;gap:8px;width:100%}.NavigationItem-text label.has-nav-badge span.nav-badge-title{display:inline;width:auto;flex:0 0 auto}.NavigationItem-text svg.nav-new-badge{position:static;flex:0 0 auto;width:36px;height:14px;pointer-events:none}.has-subnav-badge{display:flex !important;align-items:center;gap:8px}.has-subnav-badge svg.nav-new-badge{position:static;flex:0 0 auto;width:36px;height:14px;pointer-events:none}</style> <style>.piano-box-subscribe{max-width:1200px;height:100%;responsive;margin:auto;padding-top:20px}.piano-box-subscribe-ICE{max-width:100%;height:100%;responsive;margin:auto}.test-stnd-premium-sub-box{max-width:100%;height:100%;responsive;margin:auto}.piano-box-subscribe-fiserv{max-width:1200px;height:100%;responsive;margin:auto;padding-top:20px}.sm-my-account{min-height:1000px}.sm-my-account>iframe{padding:20px 30px 0 30px}.piano-box-footer{position:fixed;bottom:0;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0}.piano-box-footer-my-account{position:relative;bottom:0;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0}.piano-box-left-btm{display:initial !important;position:fixed;left:0;bottom:0;z-index:1000}.BarList{z-index:5}.piano-box-header{position:relative;width:100vw;z-index:2;padding-top:0;top:250px;animation:mymove;animation-fill-mode:both;animation-duration:1s;animation-timing-function:linear}.piano-box-footer-slide-up{position:fixed;bottom:-100%;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0;animation:slideUp;animation-duration:1.5s;animation-timing-function:ease-out;animation-delay:5s;animation-fill-mode:forwards;box-shadow:0 -4px 8px 0 rgba(0,0,0,0.15)}@keyframes slideUp{from{bottom:-100%}to{bottom:0}}@keyframes slideDown{from{bottom:0}to{bottom:-450px}}@keyframes slideBackUp{from{bottom:-450px}to{bottom:0}}@media screen and (max-width:620px){@keyframes slideDown{from{bottom:0}to{bottom:-505px}}@keyframes slideBackUp{from{bottom:-505px}to{bottom:0}}}@media screen and (max-width:561px){@keyframes slideDown{from{bottom:0}to{bottom:-535px}}@keyframes slideBackUp{from{bottom:-535px}to{bottom:0}}}@media screen and (max-width:470px){@keyframes slideDown{from{bottom:0}to{bottom:-555px}}@keyframes slideBackUp{from{bottom:-555px}to{bottom:0}}}@media screen and (max-width:374px){@keyframes slideDown{from{bottom:0}to{bottom:-575px}}@keyframes slideBackUp{from{bottom:-575px}to{bottom:0}}}.piano-bottom-banner-slide-up{position:fixed;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0;animation:slideUp;animation-fill-mode:forwards;animation-delay:4s;animation-duration:.5s;animation-timing-function:linear}@keyframes mymove{from{top:-250px}to{top:0}}.piano-bottom-newsletter-slide-in{position:fixed;bottom:0;right:-750px;height:200px;width:750px;z-index:1000;padding-bottom:0;animation:slideInDesktop;animation-fill-mode:forwards;animation-delay:4s;animation-duration:1.5s;animation-timing-function:ease-in-out}@keyframes slideInDesktop{from{right:-750px}to{right:0}}@media only screen and (max-width:740px){.piano-bottom-newsletter-slide-in{width:300px;height:300px;right:-300px;animation:slideInMobile}}@keyframes slideInMobile{from{right:-300px}to{right:0}}.sticky_piano-box-header{position:sticky;left:0;height:auto;width:100vw;z-index:24;padding-top:0;top:125px}.right-rail-inline{padding-bottom:20px !important}@media only screen and (max-width:600px){.sm-my-account{padding:20px 15px 0 15px !important}}@media only screen and (min-width:980px){iframe[id*='piano-id-']{width:680px !important}.piano-id-modal-ver-{width:680px !important}}.tp-modal .tp-iframe-wrapper.piano-id-modal-ver-2 .tp-close.tp-active{border-left:none
1!important}.tp-modal .tp-iframe-wrapper.piano-id-modal-ver-2 .tp-close.tp-active:hover{border-left:none !important}.tp-iframe-wrapper .tp-close.tp-active{top:0 !important;right:0 !important;box-shadow:none !important;background-color:transparent !important;transform:scale(1.5) !important}.tp-iframe-wrapper .tp-close.tp-active:hover{box-shadow:none !important}.tp-iframe-wrapper .tp-close.tp-active:focus{border:none !important}</style> <style>.piano-bottom-banner-slide-in-right{position:fixed;bottom:40px;right:-738px;z-index:1000;width:786px;transition:right .5s ease-in-out}.piano-bottom-banner-slide-in-right-open{right:0 !important}@media only screen and (max-width:1080px){.piano-bottom-banner-slide-in-right{right:-353px;width:400px}}</style> <style>.inline-gated{visibility:hidden;display:none}.inline-gate{position:relative}.inline-gate:before{content:"";position:absolute;bottom:100%;left:0;right:0;width:100%;height:100px;background-image:linear-gradient(to top,rgba(255,255,255,1) 0,rgba(255,255,255,1) 30%,rgba(255,255,255,0) 100%)}</style> <style>.IconTopicBarList[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items-item:nth-of-type(1) a{pointer-events:none;cursor:pointer}.IconTopicBarList[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items-item:nth-of-type(1) .IconTopicBarListItem-content{background-color:#66dac5 !important}.IconTopicBarList[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items-item:nth-of-type(1) .IconTopicBarListItem-title{font-weight:400 !important;text-decoration-line:none !important}.IconTopicBarListItem-title{font-weight:700 !important}.IconTopicBarList[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items-item:nth-of-type(1) .IconTopicBarListItem-title{position:relative;display:inline-flex;align-items:center}</style> <style>html.from-app-view .Page-header-wrapper,html.from-app-view .Page-footer{display:none}html.from-app-view .Enhancement:has([data-module-mame="editors-pick"]){display:none}html.from-app-view body{padding-bottom:30px}html.from-app-view .Enhancement:has([data-module-mame="editors-pick"])+p{padding-top:20px}</style>
1<script type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","articleSection":"OpinionArticle","dateCreated":"2026-09-23T11:30:00Z","dateModified":"2026-09-23T11:30:03.897Z","datePublished":"2026-09-23T11:30:00Z","hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".inline-gate"},"headline":"Banks should be required to explain the reason for an account closure","image":{"@context":"http://schema.org","@type":"ImageObject","url":"https://arizent.brightspotcdn.com/20/29/9206281f4237893c9d8e24c92a3f/cfpb-complaint-data-on-debanking-16x9.png"},"isAccessibleForFree":false,"keywords":["Regulation and compliance","Politics and policy","AML","FDIC","Federal Reserve","OCC","NCUA","FinCEN","Free"],"mainEntityOfPage":{"@type":"WebPage","@id":"https://www.americanbanker.com/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure"},"author":[{"@context":"http://schema.org","@type":"Person","affiliation":{"@context":"http://schema.org","@type":"Organization"},"image":"https://arizent.brightspotcdn.com/2b/04/b59cb5984641ac3b3174a4c083d6/lissele-pratt.jpeg","jobTitle":"Co-founder, Capitalixe","name":"Lissele Pratt","url":["https://www.americanbanker.com/author/lissele-pratt"]}],"publisher":{"logo":{"height":"40px","@type":"ImageObject","@context":"http://schema.org","url":"https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg"},"@type":"NewsMediaOrganization","foundingDate":"","name":"American Banker","sameAs":[]},"description":"U.S. regulators have made it clear that banks have the discretion to explain account closures, short of disclosing the existence of a suspicious activity report filing. They should make it mandatory.","thumbnailUrl":"https://arizent.brightspotcdn.com/20/29/9206281f4237893c9d8e24c92a3f/cfpb-complaint-data-on-debanking-16x9.png","url":"https://www.americanbanker.com/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure"}</script>
1<script id="polyfill_io" src="https://cdnjs.cloudflare.com/polyfill/v3/polyfill.min.js?features=AbortController,Array.prototype.entries,Array.prototype.fill,Array.prototype.find,Array.prototype.findIndex,Array.prototype.flat,Array.prototype.includes,Array.prototype.keys,Array.prototype.sort,Array.prototype.values,ArrayBuffer,ArrayBuffer.isView,AudioContext,blissfuljs,Blob,CharacterData.prototype.after,CharacterData.prototype.before,CharacterData.prototype.nextElementSibling,CharacterData.prototype.remove,CharacterData.prototype.replaceWith,console,console.error,console.info,console.log,console.warn,CustomEvent,DataView,document.currentScript,document.visibilityState,DocumentFragment,DocumentFragment.prototype.append,DocumentFragment.prototype.prepend,DOMRect,DOMTokenList,DOMTokenList.prototype.forEach,DOMTokenList.prototype.replace,Element.prototype.after,Element.prototype.animate,Element.prototype.append,Element.prototype.before,Element.prototype.prepend,Element.prototype.remove,Element.prototype.replaceWith,Element.prototype.scrollBy,Element.prototype.scrollIntoView,Event,EventSource,Function.prototype.name,globalThis,HTMLDocument,HTMLPictureElement,HTMLTemplateElement,Int32Array,IntersectionObserver,IntersectionObserverEntry,Intl,Intl.DateTimeFormat,Intl.ListFormat,Intl.Locale,Intl.NumberFormat,Intl.RelativeTimeFormat,location.origin,Map,Math.trunc,MutationObserver,Node.prototype.contains,Node.prototype.getRootNode,NodeList.prototype.forEach,Number.isNaN,Number.MAX_SAFE_INTEGER,Object.assign,Object.entries,Object.freeze,Object.getOwnPropertyNames,Object.getOwnPropertySymbols,Object.is,Object.prototype.toString,Object.setPrototypeOf,Object.values,performance.now,Reflect,Reflect.getPrototypeOf,RegExp.prototype.flags,requestAnimationFrame,ResizeObserver,screen.orientation,Set,String.prototype.includes,String.prototype.normalize,String.prototype.padStart,Symbol,Symbol.for,Symbol.iterator,Symbol.prototype.description,Symbol.toPrimitive,Symbol.toStringTag,TextDecoder,TextEncoder,Uint16Array,Uint32Array,Uint8Array,URLSearchParams,WeakSet&flags=gated"></script>
1
1<script>'use strict';var FRONTEND_NOTIFICATIONS_ENABLED=true; 2function getSimpleBrowserReport(e){var r,n;switch(r={browser:{name:null,version:null},os:{name:null,version:null},screen:{colors:null,dppx:null,height:null,width:null},userAgent:e=e||navigator.userAgent,viewport:{height:null,layout:{height:null,width:null},width:null,zoom:null},websockets:null},(e.indexOf("Trident")>=0||e.indexOf("MSIE")>=0)&&(e.indexOf("Mobile")>=0?r.browser.name="IE Mobile":r.browser.name="Internet Explorer"),e.indexOf("Firefox")>=0&&-1===e.indexOf("Seamonkey")&&(e.indexOf("Android")>= 30?r.browser.name="Firefox for Android":r.browser.name="Firefox"),e.indexOf("Safari")>=0&&-1===e.indexOf("Chrome")&&-1===e.indexOf("Chromium")&&-1===e.indexOf("Android")&&(e.indexOf("CriOS")>=0?r.browser.name="Chrome for iOS":e.indexOf("FxiOS")>=0?r.browser.name="Firefox for iOS":r.browser.name="Safari"),e.indexOf("Chrome")>=0&&(e.match(/\bChrome\/[.0-9]* Mobile\b/)?e.match(/\bVersion\/\d+\.\d+\b/)||e.match(/\bwv\b/)?r.browser.name="WebView on Android":r.browser.name="Chrome for Android":r.browser.name= 4"Chrome"),e.indexOf("Android")>=0&&-1===e.indexOf("Chrome")&&-1===e.indexOf("Chromium")&&-1===e.indexOf("Trident")&&-1===e.indexOf("Firefox")&&(r.browser.name="Android Browser"),e.indexOf("Edge")>=0&&(r.browser.name="Edge"),e.indexOf("UCBrowser")>=0&&(r.browser.name="UC Browser for Android"),e.indexOf("SamsungBrowser")>=0&&(r.browser.name="Samsung Internet"),(e.indexOf("OPR")>=0||e.indexOf("Opera")>=0)&&(e.indexOf("Opera Mini")>=0?r.browser.name="Opera Mini":e.indexOf("Opera Mobi")>=0||e.indexOf("Opera Tablet")>= 50||e.indexOf("Mobile")>=0?r.browser.name="Opera Mobile":r.browser.name="Opera"),(e.indexOf("BB10")>=0||e.indexOf("PlayBook")>=0||e.indexOf("BlackBerry")>=0)&&(r.browser.name="BlackBerry"),e.indexOf("MQQBrowser")>=0&&(r.browser.name="QQ Browser"),n=null,r.browser.name){case "Chrome":case "Chrome for Android":case "WebView on Android":n=e.match(/Chrome\/((\d+\.)+\d+)/);break;case "Firefox":case "Firefox for Android":n=e.match(/Firefox\/((\d+\.)+\d+)/);break;case "Firefox for iOS":n=e.match(/FxiOS\/((\d+\.)+\d+)/); 6break;case "Edge":case "Internet Explorer":case "IE Mobile":e.indexOf("Edge")>=0?n=e.match(/Edge\/((\d+\.)+\d+)/):e.indexOf("rv:11")>=0?n=e.match(/rv:((\d+\.)+\d+)/):e.indexOf("MSIE")>=0&&(n=e.match(/MSIE ((\d+\.)+\d+)/));break;case "Safari":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "Android Browser":n=e.match(/Android ((\d+\.)+\d+)/);break;case "UC Browser for Android":n=e.match(/UCBrowser\/((\d+\.)+\d+)/);break;case "Samsung Internet":n=e.match(/SamsungBrowser\/((\d+\.)+\d+)/);break;case "Opera Mini":n= 7e.match(/Opera Mini\/((\d+\.)+\d+)/);break;case "Opera":n=e.match(/OPR/)?e.match(/OPR\/((\d+\.)+\d+)/):e.match(/Version/)?e.match(/Version\/((\d+\.)+\d+)/):e.match(/Opera\/((\d+\.)+\d+)/);break;case "BlackBerry":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "QQ Browser":n=e.match(/MQQBrowser\/((\d+\.)+\d+)/);break;default:n=e.match(/\/((\d+\.)+\d+)$/)}switch(n&&n[1]&&(r.browser.version=n[1]),r.viewport.width=window.innerWidth||document.documentElement.clientWidth,r.viewport.height=window.innerHeight|| 8document.documentElement.clientHeight,r.viewport.layout.width=document.documentElement.clientWidth,r.viewport.layout.height=document.documentElement.clientHeight,r.viewport.zoom=r.viewport.layout.width/r.viewport.width,e.indexOf("Windows")>=0&&(e.indexOf("Windows Phone")>=0?r.os.name="Windows Phone":r.os.name="Windows"),e.indexOf("OS X")>=0&&-1===e.indexOf("Android")&&(r.os.name="OS X"),e.indexOf("Linux")>=0&&(r.os.name="Linux"),e.indexOf("like Mac OS X")>=0&&(r.os.name="iOS"),(e.indexOf("Android")>= 90||e.indexOf("Adr")>=0)&&-1===e.indexOf("Windows Phone")&&(r.os.name="Android"),e.indexOf("BB10")>=0&&(r.os.name="BlackBerry"),e.indexOf("RIM Tablet OS")>=0&&(r.os.name="BlackBerry Tablet OS"),e.indexOf("BlackBerry")>=0&&(r.os.name="BlackBerryOS"),e.indexOf("CrOS")>=0&&(r.os.name="Chrome OS"),e.indexOf("KAIOS")>=0&&(r.os.name="KaiOS"),n=null,r.os.name){case "Windows":case "Windows Phone":if(e.indexOf("Win16")>=0)r.os.version="3.1.1";else if(e.indexOf("Windows CE")>=0)r.os.version="CE";else if(e.indexOf("Windows 95")>= 100)r.os.version="95";else if(e.indexOf("Windows 98")>=0)e.indexOf("Windows 98; Win 9x 4.90")>=0?r.os.version="Millennium Edition":r.os.version="98";else if((n=e.match(/Win(?:dows)?(?: Phone)?[ _]?(?:(?:NT|9x) )?((?:(\d+\.)*\d+)|XP|ME|CE)\b/))&&n[1])switch(n[1]){case "6.4":n[1]="10.0";break;case "6.3":n[1]="8.1";break;case "6.2":n[1]="8";break;case "6.1":n[1]="7";break;case "6.0":n[1]="Vista";break;case "5.2":n[1]="Server 2003";break;case "5.1":n[1]="XP";break;case "5.01":n[1]="2000 SP1";break;case "5.0":n[1]= 11"2000";break;case "4.0":n[1]="4.0"}break;case "OS X":n=e.match(/OS X ((\d+[._])+\d+)\b/);break;case "Linux":r.os.version=null;break;case "iOS":n=e.match(/OS ((\d+[._])+\d+) like Mac OS X/);break;case "Android":n=e.match(/(?:Android|Adr) (\d+([._]\d+)*)/);break;case "BlackBerry":case "BlackBerryOS":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "BlackBerry Tablet OS":n=e.match(/RIM Tablet OS ((\d+\.)+\d+)/);break;case "Chrome OS":r.os.version=r.browser.version;break;case "KaiOS":n=e.match(/KAIOS\/(\d+(\.\d+)*)/); 12break;default:r.os.version=null}if(n&&n[1]&&(n[1]=n[1].replace(/_/g,"."),r.os.version=n[1]),"OS X"===r.os.name&&r.os.version){var i=r.os.version.split(".");if(i.length>=2){var o=parseInt(i[1],10);r.os.name=o<=7?"Mac OS X":o>=12?"macOS":"OS X"}}return r.screen.width=screen.width,r.screen.height=screen.height,r.screen.colors=screen.colorDepth,window.devicePixelRatio&&!isNaN(window.devicePixelRatio)?r.screen.dppx=window.devicePixelRatio:r.screen.dppx=1,r.websockets=!!window.WebSocket,r.lang=navigator.languages|| 13navigator.language,r.timestamp=(new Date).toString(),r}function printObject(e){return JSON.stringify(JSON.parse(JSON.stringify(e,Object.getOwnPropertyNames(e)))).replace(/\\'/g,"").replace(/\\n
13/g,"").replace(/'/g,"")}function detectAdblock(){return new window.Promise(function(t){var n=new window.Request("https://adblockanalytics.com",{method:"HEAD"});window.fetch(n).then(function(n){switch(n.status){case 200:case 301:t(!1);break;default:t(!0)}})["catch"](function(){t(!0)})})} 14function saveErrorOnServerIfAllowed(r){canSaveErrorOnServer()&&saveErrorOnServer(r)}function canSaveErrorOnServer(){return FRONTEND_NOTIFICATIONS_ENABLED} 15function saveErrorOnServer(e){var r=getSimpleBrowserReport();detectAdblock().then(function(a){var o=new window.FormData;o.append("humanReadableMessage",e.humanReadableMessage),o.append("serviceName",e.serviceName),e.error&&e.error.message&&o.append("rootCauseMessage",e.error.message),e.error&&o.append("stackTrace",e.error.stack?printObject(e.error.stack):printObject(e.error)),e.codeLocation&&o.append("codeLocation",e.codeLocation),o.append("pageUrl",window.location.href),o.append("usingAdBlock",a), 16o.append("browser","".concat(r.browser.name," ").concat(r.browser.version)),o.append("operatingSystem","".concat(r.os.name," ").concat(r.os.version)),r.adBlockingDetected=a,o.append("browserDetails",JSON.stringify(r,null,4)),window.fetch("/notification_servlet",{method:"POST",body:(new window.URLSearchParams(o)).toString()})})}function logError(r){window.console.error(r.humanReadableMessage,r),saveErrorOnServerIfAllowed(r)} 17window.bspLogger_runtimeScriptError=function(r,a){logError({humanReadableMessage:"Runtime JavaScript error occurred in internal '"+a+"' CMS backdoor script",serviceName:"Backdoor Java Script",codeLocation:"Internal Backdoor Java Script named: "+a,error:r})}; 18window.bspLogger_externalScriptError=function(r){logError({humanReadableMessage:"JavaScript error occurred, when loading external '"+r+"' CMS backdoor script",serviceName:"Backdoor Java Script",codeLocation:"External Backdoor Java Script named: "+r})};</script>
18
18<script>'use strict';var fontUrl;fontUrl="https://fonts.googleapis.com/css?family\x3dLato:300,300i,400,400i,700,700i,900,900i|Merriweather:300,300i,400,400i,700,700i,900,900i\x26display\x3dswap"; 19function loadFont(fontUrl){var link=document.createElement("link");link.setAttribute("href",fontUrl);var relList=link.relList;if(relList&&relList.supports("preload")){link.setAttribute("as","style");link.setAttribute("rel","preload");link.setAttribute("onload",'this.rel\x3d"stylesheet"');link.setAttribute("crossorigin","anonymous")}else link.setAttribute("rel","stylesheet");document.getElementsByTagName("head")[0].appendChild(link)}loadFont(fontUrl);</script>
19
19<script>'use strict';function unescapeHtml(html){return html.replace(/"/g,'"').replace(/'/g,"'").replace(/</g,"\x3c").replace(/>/g,"\x3e").replace(/&/g,"\x26")}window.resourceBaseUrl=unescapeHtml("https://arizent.brightspotcdn.com/resource/webpack/prod/");</script>
19
19<script src="https://arizent.brightspotcdn.com/resource/00000192-05a5-d4ac-a1ba-e7edfc7a0000/All.min.d576dd016ee5bfc6b23dba0df8a58c1f.gz.js" async></script>
19
19<script src="https://ajax.googleapis.com/ajax/libs/jquery/3.4.1/jquery.min.js" onerror="window.bspLogger_externalScriptError('Google CDN Link')"></script>
19
19<script id="script_00000170-e9f4-de8a-ad78-edfc7d330000" data-name="Daily Email signup/modal_optin (Piano Legacy)">'use strict';try{(function(window){window.addEventListener("message",modalOptinHandler,false);window.tp=window.tp||[];window.tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "daily-email-signup":var email,params,iframeId,nlid,registration,source_url=window.location.href,submission_date=(new Date).toISOString(),obj_brand={};obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]= 20"Asset Securitization Report";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";params=JSON.parse(event.params.params);iframeId=params.iframeId;if(typeof event.params.email!="undefined"&&event.params.email.length> 210)email=event.params.email;var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)},brand;if(window.location.pathname.includes("money-management-executive"))brand=obj_brand["money-management-executive"];else if(window.location.pathname.includes("/creditunions"))brand=obj_brand["www.americanbanker.com/creditunions"];else brand=obj_brand[window.location.hostname];if(event.params.nlid)nlid=event.params.nlid;else nlid="Daily";if(event.params.registration)registration=event.params.registration; 22else registration=true;bt("updateUser",{email:email});var utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};bt("track","modal_optin",{brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url,source_type:getSourceType(),other_referrer:getOtherReferrer(),iframeId:iframeId,nlid:nlid,registration:registration});var dataLayer=window.dataLayer|| 23[];dataLayer.push({event:"modalOptin",modalOptinData:{sourceType:getSourceType()}});break}}]);function getOtherReferrer(){return window.sessionStorage.getItem("other_referrer")}function setOtherReferrer(){if(!window.sessionStorage.getItem("other_referrer")){var referrer=window.parent.document.referrer;window.sessionStorage.setItem("other_referrer",referrer)}}function getSourceType(){var path=window.location.pathname,homepage="/",cujhomepage="/creditunions",subscribe_RE=/\/subscribe/i,cardshow_RE= 24/\/list/i;if(path==homepage)return"homepage";if(path==cujhomepage)return"homepage";if(subscribe_RE.test(path))return"subscribe";if(cardshow_RE.test(path))return"cardshow";return"article"}function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}function modalOptinHandler(e){if(!e.origin.includes("tinypass.com"))return;var eventMessage=e.data;if(eventMessage=="modal_optin")setOtherReferrer()}})(window)}catch(error){window.bspLogger_runtimeScriptError(error, 25"Daily Email signup/modal_optin (Piano Legacy)")};</script>
25
25<script id="script_00000191-384f-d21b-ab97-faff27290000" data-name="Piano/Omeda - NL Product Enrollment 'modal_optin'">'use strict';try{(function(window){window.tp=window.tp||[];window.tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "daily-email-signup":var email,brand,nlid,fName,lName,templateType,windowUrl=window.location.href,payloadData={},obj_brand={};var currentDate=new Date;obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["www.bondbuyer.com"]= 26"Bond Buyer";obj_brand["bondbuyer.com"]="Bond Buyer";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";brand=obj_brand[window.location.hostname];if(typeof event.params.email!="undefined"&&event.params.email.length>0)email=event.params.email;if(event.params.nlid)if(event.params.nlid=="true")nlid=event.params.dailyid;else if(event.params.nlid== 27"false")nlid=null;else nlid=event.params.nlid;if(event.params.fname)fName=event.params.fname;else fName=null;if(event.params.lname)lName=event.params.lname;else lName=null;if(event.params.templatetype)templateType=event.params.templatetype;else templateType="piano unset";if(templateType=="Dismissible Reg")document.cookie="_pc_dismissible_reg_submission\x3dtrue;expires\x3d"+(new Date(currentDate.getTime()+5*365*24*60*60*1E3)).toGMTString()+";path\x3d/";payloadData={brand:brand,newsletter_optins:nlid, 28email:email,first_name:fName,last_name:lName,template_type:templateType,source_url:windowUrl,source_type:getSourceType(),utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};var options={method:"POST",body:JSON.stringify(payloadData),headers:{"Content-Type":"application/json"}};fetch("https://5d4aa0373c0f87ef930e36fefefdcf51.m.pipedream.net/",options).then(function(response){return response.json()}).then(function(myJson){console.log(JSON.stringify(myJson))}); 29var dataLayer=window.dataLayer||[];dataLayer.push({event:"modalOptin",modalOptinData:payloadData});document.cookie="_pc_email_submission_capture\x3dtrue;expires\x3d"+(new Date(currentDate.getTime()+5*365*24*60*60*1E3)).toGMTString()+";path\x3d/";break}}]);function getSourceType(){var path=window.location.pathname,homepage="/",cujhomepage="/creditunions",subscribe_RE=/\/subscribe/i,cardshow_RE=/\/list/i;if(path==homepage)return"homepage";if(path==cujhomepage)return"homepage";if(subscribe_RE.test(path))return"subscribe"; 30if(cardshow_RE.test(path))return"cardshow";return"article"}function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Piano/Omeda - NL Product Enrollment \x26#x27;modal_optin\x26#x27;")};</script>
30
30<script id="script_00000171-562c-d1cc-a573-5f2c86e60000" data-name="Video Action Tracker">'use strict';try{(function(window){document.addEventListener("DOMContentLoaded",function(){var selector="ps-html5player";var videoPlayer=document.querySelector(selector);if(!videoPlayer)return;var video=videoPlayer.querySelector("video");if(video){video.addEventListener("canplay",actionHandler,false);video.addEventListener("play",actionHandler,false);video.addEventListener("pause",actionHandler,false);video.addEventListener("ended",actionHandler,false);video.addEventListener("stalled",actionHandler, 31false);video.addEventListener("error",actionHandler,false)}function actionHandler(e){var videoEvent=e,action=getVideoAction(videoEvent.type),isInteractionHit=action=="play"||action=="pause",eventName="videoAction",id,title,obj,dataLayer;id=videoPlayer.dataset.videoId;title=videoPlayer.dataset.videoTitle||document.querySelector(".VideoPage-headline").innerText;obj={event:eventName,videoActionData:{id:id,title:title,action:action,nonInteractionHit:!isInteractionHit}};dataLayer=window.dataLayer||[]; 32dataLayer.push(obj)}function getVideoAction(eventType){var action;switch(eventType){case "canplay":action="Video Load";break;case "play":action="Video Play";break;case "pause":action="Video Pause";break;case "ended":action="Video End";break;case "error":action="Error";break}return action}},false)})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Video Action Tracker")};</script>
32
32<script id="script_00000171-60b8-d517-ad77-fcf8ec420000" data-name="Audio Action Tracker">'use strict';try{(function(window){document.addEventListener("DOMContentLoaded",audioActionListener,false);function audioActionListener(){var eventList=["play","pause","ended","stalled"];document.querySelectorAll("audio").forEach(function(audio){eventList.forEach(function(event){audio.addEventListener(event,function(){dataLayerPush(getEventData(event,audio))})})})}function dataLayerPush(obj){if(typeof obj!="object")return;var dl=window.dataLayer||[];dl.push(obj)}function getEventData(eventType,audio){if(typeof eventType!= 33"string")return;var isInteractionHit=eventType=="play"||eventType=="pause",currentSrc=audio.currentSrc,sourceArr=currentSrc.split("/"),title=sourceArr.pop(),id=sourceArr.pop(),percentPlayed=getPercentPlayed(audio);return{"event":"audioAction","audioActionData":{"id":id,"title":title,"action":eventType,"percentPlayed":percentPlayed,"nonInteractionHit":!isInteractionHit}}}function getPercentPlayed(audio){var ppp=(audio.currentTime/audio.duration*100).toFixed(2);return ppp}})(window)}catch(error){window.bspLogger_runtimeScriptError(error, 34"Audio Action Tracker")};</script>
34
34<script id="script_00000173-c4b9-d64c-a9f7-c5bd9b420000" data-name="Pause Video on LoginRequired">'use strict';try{(function(window){window.addEventListener("message",handlePianoMessage,false);function handlePianoMessage(event){var regex=/tinypass.com/;if(!event.origin.match(regex))return;try{var data=JSON.parse(event.data);var isLeadersHardgate=data.event=="leaders_hardgate";if(isLeadersHardgate){var video=document.querySelector("video");if(video)video.pause()}}catch(e){console.info(e)}}})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Pause Video on LoginRequired")};</script>
34
34<script id="script_0000017b-0dad-df23-a57b-3faf5b020000" data-name="NPS Survey Event Handler JS">'use strict';try{tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "nps-survey":var email="";var params;var iframeId;var link;params=JSON.parse(event.params.params);iframeId=params.iframeId;link=event.params.link;if(typeof event.params.email!="undefined"&&event.params.email.length>0){email=event.params.email;tp.offer.close();window.open(link+encodeURIComponent(email)).focus()}else tp.offer.close()}}])}catch(error){window.bspLogger_runtimeScriptError(error, 35"NPS Survey Event Handler JS")};</script>
35
35<script id="script_0000018d-623e-d533-a5bf-eebf900d0000" data-name="Submit Button Event Handler">'use strict';try{tp=window.tp||[];function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}tp.push(["addHandler","checkoutCustomEvent",function(event){switch(event.eventName){case "finishRegOnboarding":console.log("reg onboarding");var email,params,brand,utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")}, 36source_url=window.location.href,submission_date=(new Date).toISOString(),obj_brand={};if(typeof event.params.email!="undefined"&&event.params.email.length>0)email=event.params.email;params=JSON.parse(event.params.params);obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]= 37"Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";brand=obj_brand[window.location.hostname];var updateUserData,eventObj,topicsArr=[];if(brand==="American Banker"&&email){updateUserData={email:email,"pref_topic_ab":topicsArr};eventObj={"pref_topic_ab":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.technology=== 38"true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.regulationandcompliance==="true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.commercialbanking==="true")topicsArr.push({"name":"Commercial banking","id":"00000157-6bd8-dfbe-a35f-ffdc371e0000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.digitalbanking=== 39"true")topicsArr.push({"name":"Digital banking","id":"00000156-32eb-de20-a356-7febb8500000"});if(event.params.fintech==="true")topicsArr.push({"name":"Fintech","id":"00000154-0af3-d9ec-a7f4-2eff9ef10000"});if(event.params.dailynl==="true"){eventObj.nl_ab_daily_briefing="t";updateUserData.nl_ab_daily_briefing="t"}if(event.params.technologynl==="true"){eventObj.nl_ab_technology_daily="t";updateUserData.nl_ab_technology_daily="t"}if(event.params.regulationnl==="true"){eventObj.nl_ab_regulation="t";updateUserData.nl_ab_regulation= 40"t"}if(event.params.bankthinknl==="true"){eventObj.nl_ab_bankthink="t";updateUserData.nl_ab_bankthink="t"}if(event.params.communitybankingnl==="true"){eventObj.nl_ab_community_banking="t";updateUserData.nl_ab_community_banking="t"}if(event.params.bestoftheweeknl==="true"){eventObj.nl_ab_best_of_the_week="t";updateUserData.nl_ab_best_of_the_week="t"}}else if(brand==="Accounting Today"&&email){updateUserData={email:email,"pref_topic_act":topicsArr};eventObj={"pref_topic_act":topicsArr,source:"regonboarding", 41brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.accountingstandards==="true")topicsArr.push({"name":"Accounting standards","id":"00000157-7be0-df4e-a557-7ff296b80000"});if(event.params.accountingeducation==="true")topicsArr.push({"name":"Accounting education", 42"id":"00000153-f1e7-dd48-a953-f1ffaf400000"});if(event.params.irs==="true")topicsArr.push({"name":"IRS","id":"00000150-f36d-d7b7-a5f2-fbed60ad0000"});if(event.params.taxpreparation==="true")topicsArr.push({"name":"Tax preparation","id":"00000154-0baf-d9ec-a7f4-2fff06ce0000"});if(event.params.accountingtechnologynl==="true"){eventObj.nl_act_accounting_technology="t";updateUserData.nl_act_accounting_technology="t"}if(event.params.taxprotodaynl==="true"){eventObj.nl_act_tax_practice="t";updateUserData.nl_act_tax_practice= 43"t"}if(event.params.auditaccountingnl==="true"){eventObj.nl_act_audit_accounting="t";updateUserData.nl_act_audit_accounting="t"}if(event.params.bestoftheweeknl==="true"){eventObj.nl_act_best_of_the_week="t";updateUserData.nl_act_best_of_the_week="t"}if(event.params.irswatchnl==="true"){eventObj.nl_act_irs_watch_ato="t";updateUserData.nl_act_irs_watch_ato="t"}if(event.params.dailynl==="true"){eventObj.nl_act_daily="t";updateUserData.nl_act_daily="t"}}else if(brand==="Bond Buyer"&&email){updateUserData= 44{email:email,"pref_topic_bb":topicsArr};eventObj={"pref_topic_bb":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.publicfinance==="true")topicsArr.push({"name":"Public finance","id":"0000015b-2692-dace-a7df-ffff3d9b0000"});if(event.params.politicspolicy==="true")topicsArr.push({"name":"Politics and policy","i
44d":"0000017b-3faa-ddc4-adfb-3fffd14c0000"});if(event.params.regulationcompliance==="true")topicsArr.push({"name":"Regulation and compliance", 45"id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.careermoves==="true")topicsArr.push({"name":"Career moves","id":"00000151-16d0-def7-a1db-97f03ca80000"});if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.top10nl==="true"){eventObj.nl_bb_weekend="t";updateUserData.nl_bb_weekend="t"}if(event.params.breakingnewsnl=== 46"true"){eventObj.nl_bb_breaking_news="t";updateUserData.nl_bb_breaking_news="t"}if(event.params.pmrnl==="true"){eventObj.nl_bb_primary_market_report="t";updateUserData.nl_bb_primary_market_report="t"}if(event.params.intradaynl==="true"){eventObj.nl_bb_intraday="t";updateUserData.nl_bb_intraday="t"}if(event.params.dailynl==="true"){eventObj.nl_bb_daily_briefing="t";updateUserData.nl_bb_daily_briefing="t"}}else if(brand==="Digital Insurance"&&email){updateUserData={email:email,"pref_topic_digin":topicsArr}; 47eventObj={"pref_topic_digin":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.artificialintelligence==="true")topicsArr.push({"name":"Artificial intelligence","id":"00000157-0f79-d9a8-a5d7-ff7d1e2d0000"});if(event.params.insurtech==="true")topicsArr.push({"name":"Insurtech","id":"0000015a-4250-d1f4-a57e-d2f9cd750000"});if(event.params.customerexperience==="true")topicsArr.push({"name":"Customer experience","id":"0000015a-1e5a-d680-a75b-3e7a945f0000"}); 48if(event.params.propertyandcasualtyinsurance==="true")topicsArr.push({"name":"Property and casualty insurance","id":"0000015a-1e42-de34-a3de-de7624b10001"});if(event.params.commercialinsurance==="true")topicsArr.push({"name":"Commercial insurance","id":"0000017b-3fbd-df72-a17b-3fbdf4050000"});if(event.params.distribution==="true")topicsArr.push({"name":"Distribution","id":"0000017f-98c1-d6da-a1ff-d9dd43ed0000"});if(event.params.insurtechnl==="true"){eventObj.nl_digin_insurtech="t";updateUserData.nl_digin_insurtech= 49"t"}if(event.params.breakingnewsnl==="true"){eventObj.nl_digin_breaking_news="t";updateUserData.nl_digin_breaking_news="t"}if(event.params.voicesnl==="true"){eventObj.nl_digin_voices="t";updateUserData.nl_digin_voices="t"}if(event.params.thedignl==="true"){eventObj.nl_digin_thedig="t";updateUserData.nl_digin_thedig="t"}if(event.params.weekendupdatenl==="true"){eventObj.nl_digin_weekend_update="t";updateUserData.nl_digin_weekend_update="t"}if(event.params.dailynl==="true"){eventObj.nl_digin_morning_briefing= 50"t";updateUserData.nl_digin_morning_briefing="t"}}else if(brand==="Financial Planning"&&email){updateUserData={email:email,"pref_topic_fp":topicsArr};eventObj={"pref_topic_fp":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.wealthmanagement==="true")topicsArr.push({"name":"Wealth management","id":"00000153-a958-dba7-afd7-af7dd3210000"});if(event.params.retirement==="true")topicsArr.push({"name":"Retirement", 51"id":"0000017b-3f9c-ddc4-adfb-3ffd67560000"});if(event.params.investmentstrategies==="true")topicsArr.push({"name":"Investment strategies","id":"00000153-7b41-d15a-abd7-ffffceaa0000"});if(event.params.portfoliomanagement==="true")topicsArr.push({"name":"Portfolio management","id":"00000155-bc51-d116-a57d-bdfd695a0000"});if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.practiceandclientmanagement==="true")topicsArr.push({"name":"Practice and Client Management", 52"id":"0000017b-3fc6-df53-a3ff-3fce4fcf0000"});if(event.params.bestoftheweeknl==="true"){eventObj.nl_fp_best_of_the_week="t";updateUserData.nl_fp_best_of_the_week="t"}if(event.params.wallstreetinsidernl==="true"){eventObj.nl_fp_wallstreet_insider="t";updateUserData.nl_fp_wallstreet_insider="t"}if(event.params.taxnl==="true"){eventObj.nl_fp_tax_tuesday="t";updateUserData.nl_fp_tax_tuesday="t"}if(event.params.wealthtechnl==="true"){eventObj.nl_fp_wealthtech="t";
52updateUserData.nl_fp_wealthtech="t"}if(event.params.retirementnl=== 53"true"){eventObj.nl_fp_retirement="t";updateUserData.nl_fp_retirement="t"}if(event.params.dailynl==="true"){eventObj.nl_fp_daily="t";updateUserData.nl_fp_daily="t"}}else if(brand==="National Mortgage News"&&email){updateUserData={email:email,"pref_topic_nmn":topicsArr};eventObj={"pref_topic_nmn":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.mortgages==="true")topicsArr.push({"name":"Mortgages","id":"00000156-3307-d6ab-aff7-fb57bc6e0000"}); 54if(event.params.housingmarkets==="true")topicsArr.push({"name":"Housing markets","id":"0000015d-6698-d5f8-ad5d-e7ff98710000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.mortgageorigination==="true")topicsArr.push({"name":"Mortgage originations","id":"00000157-6c12-da8e-a557-ec13f3940000"});if(event.params.regulationandcompliance==="true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"}); 55if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.breakingnl==="true"){eventObj.nl_nmn_breaking_news="t";updateUserData.nl_nmn_breaking_news="t"}if(event.params.originationnl==="true"){eventObj.nl_nmn_origination_news="t";updateUserData.nl_nmn_origination_news="t"}if(event.params.intradaynl==="true"){eventObj.nl_nmn_intraday_1="t";updateUserData.nl_nmn_intraday_1="t"}if(event.params.servicingnl==="true"){eventObj.nl_nmn_mortgage_servicing_news= 56"t";updateUserData.nl_nmn_mortgage_servicing_news="t"}if(event.params.technologynl==="true"){eventObj.nl_nmn_mortgage_technology="t";updateUserData.nl_nmn_mortgage_technology="t"}if(event.params.dailynl==="true"){eventObj.nl_nmn_daily_briefing="t";updateUserData.nl_nmn_daily_briefing="t"}}bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser",updateUserData);bt("track","preference_update_new",eventObj);tp.offer.close();var currentDate=new Date;document.cookie="_pc_qualified_content_rec\x3dtrue;expires\x3d"+ 57(new Date(currentDate.getTime()+8*3600*1E3)).toGMTString()+";path\x3d/";break}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Submit Button Event Handler")};</script>
57
57<script id="script_0000018e-66cd-d4b2-ab9e-7eed40320000" data-name="Submit Button Event Handler - Piano Custom Field Update">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){var tp=window.tp||[];switch(event.eventName){case "submitRegOnboarding":var pianoAID=tp.aid;var pianoUID=tp.pianoId.getUser().uid;var pianoToken=tp.pianoId.getToken();console.info("Onboarding Init");console.log("Full tp object:",tp);console.log("tp.aid:",tp.aid);console.log("pianoUID:",pianoUID);var APP_CONFIGS={XUnXNMUrFF:{name:"American Banker",formName:"ab_onboarding",fieldMappings:[{field:"ab_completed_onboarding",param:"completedonboarding"}, 58{field:"tp_ab_bank_technology",param:"tpbanktechnology"},{field:"tp_ab_branch_banking",param:"tpbranchbanking"},{field:"tp_ab_commercial_banking",param:"tpcommercialbanking"},{field:"tp_ab_community_banking",param:"tpcommunitybanking"},{field:"tp_ab_consumer_banking",param:"tpconsumerbanking"},{field:"tp_ab_credit_unions",param:"tpcreditunions"},{field:"tp_ab_cryptocurrencies",param:"tpcryptocurrencies"},{field:"tp_ab_digital_banking",param:"tpdigitalbanking"},{field:"tp_ab_fintech",param:"tpfintech"}, 59{field:"tp_ab_industry_news",param:"tpindustrynews"},{field:"tp_ab_payments",param:"tppayments"},{field:"tp_ab_politics_and_policy",param:"tppoliticspolicy"},{field:"tp_ab_regulation_and_compliance",param:"tpregulationcompliance"},{field:"tp_ab_small_business_banking",param:"tpsmallbusinessbanking"},{field:"tp_ab_technology",param:"tptechnology"},{field:"tp_ab_wealth_management",param:"tpwealthmanagement"},{field:"nl_ab_bankthink",param:"nlbankthink"},{field:"nl_ab_best_of_the_week",param:"nlbestoftheweek"}, 60{field:"nl_ab_breaking_news",param:"nlbreakingnews"},{field:"nl_ab_community_banking",param:"nlcommunitybanking"},{field:"nl_ab_credit_union_briefing",param:"nlcreditunionbriefing"},{field:"nl_ab_daily_briefing",param:"nldailybriefing"},{field:"nl_ab_intraday_news_update",param:"nlintradaynewsupdate"},{field:"nl_ab_payments",param:"nlpayments"},{field:"nl_ab_regulation",param:"nlregulation"},{field:"nl_ab_technology_daily",param:"nltechnology"},{field:"nl_ab_technology_ai",param:"nltechnologyai"}]}, 61BOmg9kapee:{name:"Accounting Today",formName:"at_onboarding",fieldMappings:[{field:"at_completed_onboarding",param:"completedonboarding"},{field:"tp_at_accounting_education",param:"tpaccountingeducation"},{field:"tp_at_accounting_standards",param:"tpaccountingstandards"},{field:"tp_at_audit",param:"tpaudit"},{field:"tp_at_career_moves",param:"tpcareermoves"},{field:"tp_at_practice_management",param:"tppracticemanagement"},{field:"tp_at_tax",param:"tptax"},{field:"tp_at_technology",param:"tptechnology"}, 62{field:"nl_act_accounting_technology",param:"nlaccountingtechnology"},{field:"nl_act_audit_accounting",param:"nlauditaccounting"},{field:"nl_act_best_of_the_week",param:"nlbestoftheweek"},{field:"nl_act_breaking_news",param:"nlbreakingnews"},{field:"nl_act_daily",param:"nldailybriefing"},{field:"nl_act_first_look",param:"nlfirstlook"},{field:"nl_act_irs_watch_ato",param:"nlirswatch"},{field:"nl_act_tax_practice",param:"nltaxprotoday"}]},x2vmB6Jdyn:{name:"Bond Buyer",formName:"bb_onboarding",fieldMappings:[{field:"bb_completed_onboarding", 63param:"completedonboarding"},{field:"tp_bb_career_moves",param:"tpcareermoves"},{field:"tp_bb_politics_policy",param:"tppoliticspolicy"},{field:"tp_bb_public_finance",param:"tppublicfinance"},{field:"tp_bb_regulation_compliance",param:"tpregulationcompliance"},{field:"tp_bb_tax",param:"tptax"},{field:"tp_bb_technology",param:"tptechnology"},{field:"nl_bb_breaking_news",param:"nlbreakingnews"},{field:"nl_bb_daily_briefing",param:"nldailybriefing"},{field:"nl_bb_intraday",param:"nlintradaynewsupdate"}, 64{field:"nl_bb_primary_market_report",param:"nlprimarymarketreport"},{field:"nl_bb_weekend",param:"nlweeklytop10"}]},N8sydUSDcX:{name:"Digital Insurance",formName:"dig_onboarding",fieldMappings:[{field:"dig_completed_onboarding",param:"completedonboarding"},{field:"nl_digin_breaking_news",param:"nlbreakingnews"},{field:"nl_digin_morning_briefing",param:"nlmorningbriefing"},{field:"nl_digin_insurtech",param:"nlinsurtech"},{field:"nl_digin_thedig",param:"nlthedig"},{field:"nl_digin_insure_think",param:"nlinsurethink"}, 65{field:"nl_digin_weekend_update",param:"nlweekendupdate"},{field:"tp_dig_artificial_intelligence",param:"tpartificialintelligence"},{field:"tp_dig_commercial_insurance",param:"tpcommercialinsurance"},{field:"tp_dig_customer_experience",param:"tpcustomerexperience"},{field:"tp_dig_distribution",param:"tpdistribution"},{field:"tp_dig_insurtech",param:"tpinsurtech"},{field:"tp_dig_life_insurance",param:"tplifeinsurance"},{field:"tp_dig_property_and_casualty_insurance",param:"tppropertyandcasualtyinsurance"}, 66{field:"tp_dig_telematics",param:"tptelematics"},{field:"tp_dig_workforce_management",param:"tpworkforcemanagement"}]},DqBrRoNVmq:{name:"National Mortgage News",formName:"nmn_onboarding",f
66ieldMappings:[{field:"nmn_completed_onboarding",param:"completedonboarding"},{field:"nl_nmn_breaking_news",param:"nlbreakingnews"},{field:"nl_nmn_daily_briefing",param:"nldailybriefing"},{field:"nl_nmn_intraday_1",param:"nlintradaynewsupdate"},{field:"nl_nmn_origination_news",param:"nloriginationbulletin"},{field:"nl_nmn_mortgage_servicing_news", 67param:"nlservicingbulletin"},{field:"nl_nmn_mortgage_technology",param:"nltechnologybulletin"},{field:"tp_nmn_fraud",param:"tpfraud"},{field:"tp_nmn_housing_markets",param:"tphousingmarkets"},{field:"tp_nmn_industry_news",param:"tpindustrynews"},{field:"tp_nmn_mortgages",param:"tpmortgages"},{field:"tp_nmn_originations",param:"tporiginations"},{field:"tp_nmn_politics_and_policy",param:"tppoliticsandpolicy"},{field:"tp_nmn_regulation_and_compliance",param:"tpregulationandcompliance"},{field:"tp_nmn_secondary_markets", 68param:"tpsecondarymarkets"},{field:"tp_nmn_servicing",param:"tpservicing"},{field:"tp_nmn_technology",param:"tptechnology"}]},RXUl28joTX:{name:"Financial Planning",formName:"fp_onboarding",fieldMappings:[{field:"fp_completed_onboarding",param:"completedonboarding"},{field:"nl_fp_best_of_the_week",param:"nlbestoftheweek"},{field:"nl_fp_best_of_the_month",param:"nlbestofthemonth"},{field:"nl_fp_breaking_news",param:"nlbreakingnews"},{field:"nl_fp_daily",param:"nldaybreak"},{field:"nl_fp_portfolio_management", 69param:"nlportfoliomanagement"},{field:"nl_fp_retirement",param:"nlretirement"},{field:"nl_fp_ria_intel",param:"nlriaintel"},{field:"nl_fp_tax_tuesday",param:"nltaxtuesday"},{field:"nl_fp_wallstreet_insider",param:"nlwallstreetinsider"},{field:"tp_fp_continuing_education",param:"tpcontinuingeducation"},{field:"tp_fp_esg",param:"tpesg"},{field:"tp_fp_fintech",param:"tpfintech"},{field:"tp_fp_industry_news",param:"tpindustrynews"},{field:"tp_fp_investment_strategies",param:"tpinvestmentstrategies"}, 70{field:"tp_fp_politics_and_policy",param:"tppoliticsandpolicy"},{field:"tp_fp_portfolio_management",param:"tpportfoliomanagement"},{field:"tp_fp_portfolio_strategies",param:"tpportfoliostrategies"},{field:"tp_fp_practice_and_client_management",param:"tppracticeandclientmanagement"},{field:"tp_fp_professional_development",param:"tpprofessionaldevelopment"},{field:"tp_fp_regulation_and_compliance",param:"tpregulationandcompliance"},{field:"tp_fp_retirement",param:"tpretirement"},{field:"tp_fp_tax", 71param:"tptax"},{field:"tp_fp_technology",param:"tptechnology"},{field:"tp_fp_wealth_management",param:"tpwealthmanagement"}]},t7vpsMsOZy:{name:"Employee Benefit News",formName:"ebn_onboarding",fieldMappings:[{field:"ebn_completed_onboarding",param:"completedonboarding"},{field:"nl_ebn_adviser_best_of_the_week",param:"nladviserbestoftheweek"},{field:"nl_ebn_adviser_first_look",param:"nladviserfirstlook"},{field:"nl_ebn_benefits_think",param:"nlbenefitsthink"},{field:"nl_ebn_best_of_the_week",param:"nlbestoftheweek"}, 72{field:"nl_ebn_breaking_news",param:"nlbreakingnews"},{field:"nl_ebn_first_look",param:"nlfirstlook"},{field:"nl_ebn_new_retirement",param:"nlretirement"},{field:"nl_ebn_wellness",param:"nlwellness"},{field:"tp_ebn_compensation",param:"tpcompensation"},{field:"tp_ebn_employee_benefits",param:"tpemployeebenefits"},{field:"tp_ebn_employee_retention",param:"tpemployeeretention"},{field:"tp_ebn_financial_wellness",param:"tpfinancialwellness"},{field:"tp_ebn_health_and_wellness",param:"tphealthandwellness"}, 73{field:"tp_ebn_healthcare",param:"tphealthcare"},{field:"tp_ebn_hybrid_work",param:"tphybridwork"},{field:"tp_ebn_industry_news",param:"tpindustrynews"},{field:"tp_ebn_mental_health",param:"tpmentalhealth"},{field:"tp_ebn_politics_and_policy",param:"tppoliticsandpolicy"},{field:"tp_ebn_regulation_and_compliance",param:"tpregulationandcompliance"},{field:"tp_ebn_retirement",param:"tpretirement"},{field:"tp_ebn_technology",param:"tptechnology"},{field:"tp_ebn_workforce_management",param:"tpworkforcemanagement"}, 74{field:"tp_ebn_workplace_culture",param:"tpworkplaceculture"}]}};var config=APP_CONFIGS[pianoAID];tp.pianoId.loadExtendedUser({formName:config.formName,extendedUserLoaded:function(data){var jsonData=JSON.stringify(data.custom_field_values);console.log("Custom field data in JSON:",jsonData)}});if(!config){console.warn("No configuration found for Piano AID: "+pianoAID);return}console.info(config.name+" Qualified");console.info(pianoUID);var customFieldValues=[];for(var i=0;i<config.fieldMappings.length;i++){var mapping= 75config.fieldMappings[i];
75customFieldValues.push({field_name:mapping.field,value:event.params[mapping.param]||""})}console.info(JSON.stringify(customFieldValues));var sandboxUrl="https://sandbox.piano.io/id/api/v1/identity/userinfo?aid\x3d"+pianoAID+"\x26access_token\x3d"+pianoToken+"\x26lang\x3den_US";var apiUrl="https://api.piano.io/id/api/v1/identity/userinfo?aid\x3d"+pianoAID+"\x26access_token\x3d"+pianoToken+"\x26lang\x3den_US";console.info("API Request URL: ",apiUrl);fetch(apiUrl,{method:"PUT", 76headers:{"Content-Type":"application/json; charset\x3dUTF-8"},body:JSON.stringify({uid:pianoUID,form_name:config.formName,custom_field_values:customFieldValues})}).then(function(response){if(!response.ok)throw new Error("HTTP error! status: "+response.status);return response.json()}).then(function(data){console.info("Piano API Success:",data)}).catch(function(error){console.error("Piano API Error:",error)});console.info("Piano Fetch: INITIATED");break;default:break}}])}catch(error){window.bspLogger_runtimeScriptError(error, 77"Submit Button Event Handler - Piano Custom Field Update")};</script>
77
77<script id="script_00000199-e86d-dc6e-afbb-efff57f30000" data-name="Piano Onboarding Check">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){var APP_CONFIGS={zkOKZDXQU8:{name:"American Banker",formName:"ab_onboarding",completedField:"ab_completed_onboarding",templateId:"OTAP9CZKD5X9",homepage:"https://ab.arizent-uat.arizent.lower.k2.m1.brightspot.cloud/"},XUnXNMUrFF:{name:"American Banker",formName:"ab_onboarding",completedField:"ab_completed_onboarding",templateId:"OTA4JCO2T7R8",homepage:"https://www.americanbanker.com/"},BOmg9kapee:{name:"Accounting Today", 78formName:"at_onboarding",completedField:"at_completed_onboarding",templateId:"OT0YTCB8WJ5G",homepage:"https://www.accountingtoday.com/"},x2vmB6Jdyn:{name:"Bond Buyer",formName:"bb_onboarding",completedField:"bb_completed_onboarding",templateId:"OTCIZ6PL6BFJ",homepage:"https://www.bondbuyer.com/"},N8sydUSDcX:{name:"Digital Insurance",formName:"dig_onboarding",completedField:"dig_completed_onboarding",templateId:"OTQMI90A8Q96",homepage:"https://www.dig-in.com/"},DqBrRoNVmq:{name:"National Mortgage News", 79formName:"nmn_onboarding",completedField:"nmn_completed_onboarding",templateId:"OT6X7CK5UZES",homepage:"https://www.nationalmortgagenews.com/"},RXUl28joTX:{name:"Financial Planning",formName:"fp_onboarding",completedField:"fp_completed_onboarding",templateId:"OT3CDE7ECOAL",homepage:"https://www.financial-planning.com/"},t7vpsMsOZy:{name:"Employee Benefit News",formName:"ebn_onboarding",completedField:"ebn_completed_onboarding",templateId:"OTIZJPI3C9V8",homepage:"https://www.benefitnews.com/"}};var currentAppID= 80tp.aid;console.info("tp.aid:",tp.aid);console.info("currentAppID",tp.aid);var config=APP_CONFIGS[currentAppID];switch(event.eventName){case "startSubscriptionOnboarding":if(!config)console.warn("No configuration found for app id: "+currentAppID);tp.offer.close();tp.pianoId.loadExtendedUser({extendedUserLoaded:function(data){var completedOnboarding;for(var i in data.custom_field_values){var fieldName=data.custom_field_values[i].field_name;var fieldValue=data.custom_field_values[i].value;console.log("Field "+ 81fieldName+" has value "+fieldValue);if(fieldName===config.completedField){console.log(fieldName,fieldValue);completedOnboarding=fieldValue}}if(!completedOnboarding){console.info("Onboarding not completed, showing onboarding template");if(event.eventName==="startSubscriptionOnboarding")tp.push(["setCustomVariable","userAccessTier","subscribed"]);setTimeout(function(){tp.template.show({templateId:config.templateId})},1E3)}else{var urlParams=new URLSearchParams(location.search);var return_url=urlParams.get("redirect"); 82console.info("Onboarding completed, redirecting");if(window.location.pathname.indexOf("/subscribe")!==-1)if(return_url)location.href=return_url;else location.href=config.homepage;else{tp.offer.close();tp.experience.execute();document.querySelectorAll(".NavigationButtons-buttons").forEach(function(wrapper){var subscribeBtn=wrapper.querySelector('a[href*\x3d"/subscribe"]');if(subscribeBtn)subscribeBtn.closest(".NavigationButtons-buttons-button").style.display="none"})}}},formName:config.formName}); 83break;case "exitOnboarding":var url_params=new URLSearchParams(location.search);var return_url=url_params.get("redirect");console.info("onboarding completed, redirecting");if(window.location.pathname.indexOf("/subscribe")!==-1)if(return_url)location.href=return_url;else location.href=config.homepage;else{tp.offer.close();tp.experience.execute();document.querySelectorAll(".NavigationButtons-buttons").forEach(function(wrapper){var subscribeBtn=wrapper.querySelector('a[href*\x3d"/subscribe"]');if(subscribeBtn)subscribeBtn.closest(".NavigationButtons-buttons-button").style.display= 84"none"})}break;default:break}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Piano Onboarding Check")};</script>
84
84<script id="script_0000018f-bff5-d679-a3ff-fffd91f30000" data-name="SSO Parser">'use strict';try{window.addEventListener("sso",function(event){console.log("sso event:",event);var pianoUID=tp.pianoId.getUser().uid;var pianoAID=tp.aid;var pianoToken=tp.pianoId.getToken();var pianoRequest="https://api.piano.io/id/api/v1/identity/userinfo?aid\x3d"+pianoAID+"\x26access_token\x3d"+pianoToken+"\x26lang\x3den_US";var customFieldValueObj;if(pianoAID=="XUnXNMUrFF")customFieldValueObj=[{"field_name":"ab_sso_signup","value":event.detail.isSso}];if(pianoAID=="BOmg9kapee")customFieldValueObj= 85[{"field_name":"act_sso_signup","value":event.detail.isSso}];if(pianoAID=="x2vmB6Jdyn")customFieldValueObj=[{"field_name":"bb_sso_signup","value":event.detail.isSso}];if(pianoAID=="N8sydUSDcX")customFieldValueObj=[{"field_name":"dig_sso_signup","value":event.detail.isSso}];if(pianoAID=="t7vpsMsOZy")customFieldValueObj=[{"field_name":"ebn_sso_signup","value":event.detail.isSso}];if(pianoAID=="RXUl28joTX")customFieldValueObj=[{"field_name":"fp_sso_signup","value":event.detail.isSso}];if(pianoAID=="DqBrRoNVmq")customFieldValueObj= 86[{"field_name":"nmn_sso_signup","value":event.detail.isSso}];fetch(pianoRequest,{method:"PUT",headers:{"Content-Type":"application/json; charset\x3dUTF-8"},body:JSON.stringify({"uid":pianoUID,"form_name":"sso_status","custom_field_values":customFieldValueObj})})})}catch(error){window.bspLogger_runtimeScriptError(error,"SSO Parser")};</script>
86
86<script id="script_00000192-fd64-d066-a3d3-ff7619f00000" data-name="Piano JS - Site License Contract Copy Link Global Handler">'use strict';try{tp.push(["addHandler","customEvent",function(event){if(event.eventName.includes("siteLicenseCopyLink-")){var siteLicenseContractId=event.eventName.split("-")[1];var siteHostname=window.location.hostname;navigator.clipboard.writeText("https://"+siteHostname+"/site-license-redemption?contractid\x3d"+siteLicenseContractId)}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Piano JS - Site License Contract Copy Link Global Handler")};</script>
86
86<script id="script_0000019c-09b8-d496-a79c-8fbedf230000" data-name="Piano Custom Event Handlers - Script">'use strict';try{tp.push(["addHandler","customEvent",function(event){var toggle=document.body&&document.body.getAttribute("data-toggle-header");var isOverlayClosed=toggle!=="miso-search-overlay";switch(event.eventName){case "miso-promo-search-prompt":if(!isOverlayClosed)return;console.log(event.eventName);var button=document.querySelector(".miso-page-header-search-button");if(button)button.click();else window.location.assign("/search");break;default:break}}])}catch(error){window.bspLogger_runtimeScriptError(error, 87"Piano Custom Event Handlers - Script")};</script>
87
87<script id="script_0000019e-d135-d3b4-ab9f-f33d3fcc0000" data-name="JS - Add NEW Basge to Nav">'use strict';try{function buildNavBadge(fillColor){fillColor=fillColor||"#DCC3A1";var badge=document.createElementNS("http://www.w3.org/2000/svg","svg");badge.setAttribute("class","nav-new-badge");badge.setAttribute("xmlns","http://www.w3.org/2000/svg");badge.setAttribute("width","36");badge.setAttribute("height","14");badge.setAttribute("viewBox","0 11 36 14");badge.setAttribute("fill","none");badge.innerHTML='\x3crect y\x3d"11" width\x3d"36" height\x3d"14" rx\x3d"7" fill\x3d"'+fillColor+'"/\x3e'+ 88'\x3cpath d\x3d"M11.9 14.77V22H11.21C11.1033 22 11.0133 21.9833 10.94 21.95C10.87 21.9133 10.8017 21.8533 10.735 21.77L6.96 16.95C6.98 17.17 6.99 17.3733 6.99 17.56V22H5.805V14.77H6.51C6.56667 14.77 6.615 14.7733 6.655 14.78C6.69833 14.7833 6.735 14.7933 6.765 14.81C6.79833 14.8233 6.83 14.845 6.86 14.875C6.89 14.9017 6.92333 14.9383 6.96 14.985L10.75 19.825C10.74 19.7083 10.7317 19.5933 10.725 19.48C10.7183 19.3667 10.715 19.2617 10.715 19.165V14.77H11.9ZM15.8601 15.84V17.845H18.3901V18.88H15.8601V20.925H19.0701V22H14.5101V14.77H19.0701V15.84H15.8601ZM30.882 14.77L28.637 22H27.422L25.842 17.06C25.7987 16.94 25.7587 16.7933 25.722 16.62C25.702 16.7033 25.682 16.7817 25.662 16.855C25.642 16.9283 25.6204 16.9967 25.597 17.06L24.002 22H22.782L20.542 14.77H21.667C21.7837 14.77 21.8804 14.7983 21.957 14.855C22.037 14.9083 22.0904 14.9817 22.117 15.075L23.347 19.4C23.3737 19.5067 23.3987 19.6233 23.422 19.75C23.4487 19.8733 23.4754 20.0033 23.502 20.14C23.5287 20 23.557 19.8683 23.587 19.745C23.6204 19.6217 23.6554 19.5067 23.692 19.4L25.112 15.075C25.1387 14.9983 25.1904 14.9283 25.267 14.865C25.347 14.8017 25.4437 14.77 25.557 14.77H25.952C26.0687 14.77 26.1637 14.7983 26.237 14.855C26.3104 14.9117 26.3654 14.985 26.402 15.075L27.817 19.4C27.887 19.6067 27.9504 19.845 28.007 20.115C28.0504 19.8517 28.0987 19.6133 28.152 19.4L29.382 15.075C29.402 14.9917 29.452 14.92 29.532 14.86C29.6154 14.8 29.7137 14.77 29.827 14.77H30.882Z" fill\x3d"#121212"/\x3e'; 89return badge}function addNavBadge(navTitle,fillColor){var spans=document.querySelectorAll(".DropdownNavigationItem-text label span, .NavigationItem-text label span");var targets=Array.prototype.filter.call(spans,function(s){return s.textContent.replace(/^\s+|\s+$/g,"")===navTitle});if(!targets.length)return;targets.forEach(function(targetSpan){var label=targetSpan.closest("label");if(!label)return;if(label.querySelector(".nav-new-badge"))return;label.classList.add("has-nav-badge");targetSpan.classList.add("nav-badge-title"); 90label.appendChild(buildNavBadge(fillColor))})}function addSubNavBadge(linkText,fillColor){var links=document.querySelectorAll(".DropdownNavigationItem-items-item \x3e a.NavigationLink, .NavigationItem-items-item \x3e a.NavigationLink");var targets=Array.prototype.filter.call(links,function(a){return a.textContent.replace(/^\s+|\s+$/g,"")===linkText});if(!targets.length)return;targets.forEach(function(link){if(link.querySelector(".nav-new-badge"))return;link.classList.add("has-subnav-badge");link.appendChild(buildNavBadge(fillColor))})} 91}catch(error){window.bspLogger_runtimeScriptError(error,"JS - Add NEW Basge to Nav")};</script>
91
91<script id="script_00000174-b0bd-dfa3-af7d-f6fd77560000" data-name="'checkoutClose' Dynamic close button event listener">'use strict';try{tp.push(["addHandler","checkoutClose",function(event){if(event&&event.state=="checkoutCompleted"){var url_params=new URLSearchParams(location.search);var return_url=url_params.get("redirect");if(return_url)location.href=return_url;else location.href="https://www.americanbanker.com"}}])}catch(error){window.bspLogger_runtimeScriptError(error,"\x26#x27;checkoutClose\x26#x27; Dynamic close button event listener")};</script>
91
91<script id="script_00000174-b1d9-dcaa-a77d-b9ff7af80000" data-name="'leadgen_registration' Protiviti Form Capture Event Listener">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "leadgen_registration":var {email,params,fname,lname,companyname,jobtitle,phone,...rest}=event.params,obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]= 92"Bank Investment Consultant";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive"; 93obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var pageInfoEl=document.querySelector("[data-page-info]");var uuidData=null;if(pageInfoEl){var pageInfoStr=pageInfoEl.dataset.pageInfo;if(pageInfoStr){pageInfoStr=pageInfoStr.replace('",}','" }');uuidData=JSON.parse(pageInfoStr).uuid}}var eventData={source_url:location.href, 94submission_date:(new Date).toISOString(),brand:[obj_brand[location.hostname]],resource_id:uuidData,program_name:"leaders",first_name:fname,last_name:lname,master_company:companyname,master_title:jobtitle,work_phone:phone,...rest};var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};user={email:email};bt("updateUser",user);bt("track","leadgen_registration",eventData);try{tp.containerUtils.closeContainer()}catch(e){console.info(e)}}}])}catch(error){window.bspLogger_runtimeScriptError(error, 95"\x26#x27;leadgen_registration\x26#x27; Protiviti Form Capture Event Listener")};</script>
95
95<script id="script_00000176-b07e-db6a-a7ff-fe7e28d00000" data-name="Access Denied Pledge">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "pledge_agreement":var {email,params,pledge,...rest}=event.params,obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]="Bank Investment Consultant"; 96obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive";obj_brand["www.nationalmortgagenews.com"]= 97"National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var pageInfoEl=document.querySelector("[data-page-info]");if(pageInfoEl){var pageInfoStr=pageInfoEl.dataset.pageInfo;if(pageInfoStr){pageInfoStr=pageInfoStr.replace('",}','" }');var uuidData=JSON.parse(pageInfoStr).uuid}}var eventData={source_url:location.href,submission_date:(new Date).toISOString(),brand:[obj_brand[location.hostname]], 98accessDenied_pledge:pledge,...rest};var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};user={email:email};bt("updateUser",user);bt("track","accessDenied_pledge",eventData);setTimeout(function(){location.reload()},1E3)}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Access Denied Pledge")};</script>
98
98<script id="script_0000018a-b396-d2fb-a3cb-b7de5a7c0000" data-name="piano In-line Gating: Scripts V2 - Registration & SL Confirmation - Pipedream">'use strict';try{(function(window){var isDebug=window.location.search.includes("debug");window.contentGating=window.contentGating||{};contentGating.ungate=false;contentGating.isGated=false;window.tp=window.tp||[];window.dataLayer=window.dataLayer||[];document.addEventListener("DOMContentLoaded",function(event){try{initAccessControl()}catch(e){if(isDebug)console.info("Error in Inline-gate",e)}});function initAccessControl(){viewController();addUngateEventListener();addRegisterDisplayedHandler();addLoginSuccessEventListener(); 99addFreeArticleUsageEventListener()}function viewController(){var isShowContent=shouldUserHaveAccess();if(contentGating.isGated&&!isShowContent)return;var contentViews=document.querySelectorAll(".inline-gate ~ *:not([data-type\x3d'polar'])");contentViews.forEach(function(contentView){contentView.classList.toggle("inline-gated",!isShowContent)});if(isShowContent){var gateViews=document.querySelectorAll(".inline-gate");gateViews.forEach(function(gateView){gateView.classList.toggle("inline-gated",isShowContent)})}contentGating.isGated= 100!isShowContent;dataLayer.push({event:"".concat(isShowContent?"contentUnGated":"contentGated")});if(isDebug)console.info("viewController: isShowContent",isShowContent)}function registrationConfirmation(loginData){var MODALS={defaultConfirmation:"OTA4JCO2T7R8",siteLicense:"OTGCHI1TV603"};var unlimitedAccessConfig=[{domain:"@capitalone.com",templateId:"OTX0KMXOR8FY"},{domain:"@visa.com",templateId:"OTD15ILQ3WTM"},{domain:"@ubs.com",templateId:"OTZKSXL2V1FT"},{domain:"@eastwestbank.com",templateId:"OT35ZHNQ9PPJ"}, 101{domain:"@aba.com",templateId:"OT2Z78MTW8Y0"},{domain:"@baft.org",templateId:"OT2Z78MTW8Y0"},{domain:"@arizentmedia.com",templateId:"OTXQAAIYF6IR"},{domain:"@usbank.com",templateId:"OT15H48XBAWB"},{domain:"@elanfs.com",templateId:"OT15H48XBAWB"},{domain:"@evalon.com",templateId:"OT15H48XBAWB"},{domain:"@efirstbank.com",templateId:"OT8WPL719XAS"},{domain:"@medallion.com",templateId:"OTA0HNHQHY6D"},{domain:"@pathward.com",templateId:"OTY9YKNZMQJP"},{domain:"@usaa.com",templateId:"OTMLLN8T7SGU"},{domain:"@nusenda.org", 102templateId:"OT35YF48V4YX"},{domain:"@woodforest.com",templateId:"OTTSUAJHOKZD"},{domain:"@middlesexbank.com",templateId:"OTG3FC2N8ZAP"},{domain:"@middlesex.com",templateId:"OTG3FC2N8ZAP"},{domain:"@bankofthesierra.com",templateId:"OTA65Y0XGHLH"},{domain:"@srsnodgrass.com",templateId:"OT8CK2450X07"},{domain:"@mcbankny.com",templateId:"OTPUX12YAKVJ"},{domain:"@vantage.bank",templateId:"OTHIRDMZQ7FS"},{domain:"@navyfederal.org",templateId:"OTWSJVVBG913"},{domain:"@ncsecu.org",templateId:"OT0RHI2OIY9F"}, 103{domain:"@wipfli.com",templateId:"OT48APNNUO3T"},{domain:"@capco.com",templateId:"OT9NOHQEELD8"},{domain:"@nbtbci.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@nbtbank.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@abgemail.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@adsbenefits.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@clevelandhauswirth.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@epic1st.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@epicrps.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@epicrs.com",templateId:"OTSXTQ5LNCFJ"}, 104{domain:"@nbtcapm.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@NavigateRetirement.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@nbtinsurance.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@rpsbenefits.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@thetpaexperts.com",templateId:"OTSXTQ5LNCFJ"},{domain:"@crowe.com",templateId:"OTME4R7UD19Y"},{domain:"@frostbank.com",templateId:"OT6JEHO4PP8T"},{domain:"@frostinsurance.com",templateId:"OT6JEHO4PP8T"},{domain:"@frostinv.com",templateId:"OT6JEHO4PP8T"}];var siteLicenseDomains= 105["@comerica.com","@regions.com","@customersbank.com","@ally.com","@wellsfargo.com","@syf.com","@morganstanley.com","@raymondjames.com","@alkami.com","@bmo.com","@rbc.com","@citi.com","@paypal.com","@websterbank.com","@aexp.com","@houseloan.com","@jackhenry.com","@discover.com","@wolterskluwer.com","@flagstar.com","@experian.com","@bkfs.c
105om","@frb.gov","@fiserv.com","@ey.com","@bofa.com","@pwc.com","@zionsbancorp.com","@cgsh.com","@oldnational.com","@Umpqua.com","@navyfederal.org","@pnc.com","@trustage.com", 106"@cunamutual.com","@tiaa.com","@mtb.com","@servicenow.com","@dollarbank.com","@cooley.com","@midfirst.com","@optum.com","@akerman.com","@foley.com","@dime.com","@ibm.com","@promontory.com"];var userEmail=loginData.params.email;var lowerCaseEmail=userEmail.toLowerCase();var isSiteLicenseEmail=false;var isUnlimitedAccessEmail=false;var matchedUnlimitedConfig=null;var matchedDomain=null;var currentUrl=window.location.href;var isVideoOrEventsPage=currentUrl.includes("/video/")||currentUrl.includes("/leaders/"); 107for(var i=0;i<siteLicenseDomains.length;i++)if(lowerCaseEmail.indexOf(siteLicenseDomains[i])!==-1){isSiteLicenseEmail=true;matchedDomain=siteLicenseDomains[i];break}for(var j=0;j<unlimitedAccessConfig.length;j++){var config=unlimitedAccessConfig[j];if(lowerCaseEmail.indexOf(config.domain)!==-1){isUnlimitedAccessEmail=true;matchedDomain=config.domain;matchedUnlimitedConfig=config;break}}if(isSiteLicenseEmail){tp.template.show({templateId:MODALS.siteLicense});tp.push(["addHandler","customEvent",function(event){if(event.eventName=== 108"slMemberLead"){var preferredContact;var payloadData={};var fName=event.params.fname,lName=event.params.lname,prefEmail=event.params.prefemail,prefPhone=event.params.prefphone;if(prefPhone)preferredContact=prefPhone;else preferredContact=prefEmail;payloadData={brand:"American Banker",email:userEmail,email_address_behavior_attribute:userEmail,first_name:fName,last_name:lName,preferred_contact:preferredContact,sl_domain:matchedDomain};var dataLayer=window.dataLayer||[];dataLayer.push({event:"siteLicenseNewMemberLead", 109modalOptinData:payloadData});var options={method:"POST",body:JSON.stringify(payloadData),headers:{"Content-Type":"application/json"}};fetch("https://api.omeda.com/dataloader/api/rest/webhooks/6789J0253467B4Z/newsitelicensememberlead1717091773952",options).then(function(response){return response.json()}).then(function(myJson){console.log(JSON.stringify(myJson))}).catch(function(error){console.error("Omeda API error:",error)});tp.offer.close()}}])}else if(isUnlimitedAccessEmail&&matchedUnlimitedConfig)tp.template.show({templateId:matchedUnlimitedConfig.templateId, 110showCloseButton:false});else if(!isVideoOrEventsPage)tp.template.show({templateId:MODALS.defaultConfirmation,showCloseButton:false})}function addLoginSuccessEventListener(){tp.push(["addHandler","loginSuccess",gateController])}function gateController(loginData){if(loginData&&loginData.registration&&loginData.source!=="OFFER")if(!isSubscribePage()){tp.offer.close();tp.experience.execute();if(!window.location.pathname.includes("/video"))setTimeout(function(){registrationConfirmation(loginData)},"1000"); 111dataLayer.push({event:"freeAccountCreated"});return viewController()}if(!isSubscribePage()&&loginData.source!=="OFFER"){tp.offer.close();tp.experience.execute();viewController()}}function addFreeArticleUsageEventListener(){tp.push(["addHandler","showTemplate",trackFreeArticleUsage])}function trackFreeArticleUsage(templateParams){var activeMeters=templateParams&&templateParams.activeMeters;if(activeMeters&&!activeMeters.viewsLeft)if(!shouldUserHaveAccess())dataLayer.push({event:"freeArticleUsed"})} 112function shouldUserHaveAccess(){var pageInfo=document.getElementsByTagName("html")[0].dataset.pageInfo;var siteInfo=JSON.parse(atob(pageInfo)).site;var pageTags={sponsored:siteInfo.sponsored,accessOverride:siteInfo.accessOverride};var accesses=Object.entries(pageTags).filter(function(tag){return tag[1]});var isGrantAccess=Boolean(accesses.length);var isPartnerInsight=window.location.pathname.includes("/partnerinsights");var previouslyHadAccess=false;var accessedURLs=sessionStorage.getItem("accessedURLs"); 113if(accessedURLs){accessedURLs=JSON.parse(accessedURLs);previouslyHadAccess=accessedURLs.includes(location.pathname)}if(isDebug)console.info("shouldUserHaveAccess: previouslyHadAccess",previouslyHadAccess);if(isDebug)console.info("shouldUserHaveAccess: contentGating.ungate",contentGating.ungate);if(isDebug)console.info("shouldUserHaveAccess: isGrantAccess",accesses);if(isDebug)console.info("shouldUserHaveAccess: isPartnerInsight",isPartnerInsight);return previouslyHadAccess||contentGating.ungate}function addUngateEventListener(){window.addEventListener("ungate", 114function(){if(isDebug)console.info("addUngateEventListener: ungate fired");contentGating.ungate=true;viewController();trackUngatedPageViews()})}function addRegisterDisplayedHandler(){tp.push(["addHandler","registerDisplayed",function(params){if(!isSubscribePage())dataLayer.push({event:"freeAccountInitiated"})}])}function isSubscribePage(){if(window.location.pathname.indexOf("subscribe")!==-1)return window.location.pathname.indexOf("subscribe")!==-1;if(window.location.pathname.indexOf("address-update")!== 115-1)return window.location.pathname.indexOf("address-update")!==-1;if(window.location.pathname.indexOf("site-license-redemption")!==-1)return window.location.pathname.indexOf("site-license-redemption")!==-1;if(window.location.pathname.indexOf("email-options")!==-1)return window.location.pathname.indexOf("email-options")!==-1;if(window.location.pathname.indexOf("email-options")!==-1)return window.location.pathname.indexOf("email-options")!==-1;if(window.location.pathname.indexOf("enterprise-trial-payments-intelligence")!== 116-1)return window.location.pathname.indexOf("enterprise-trial-payments-intelligence")!==-1;if(window.location.pathname.indexOf("enterprise-trial-market-intelligence")!==-1)return window.location.pathname.indexOf("enterprise-trial-market-intelligence")!==-1;if(window.location.pathname.indexOf("enterprise-trial-industry-platform")!==-1)return window.location.pathname.indexOf("enterprise-trial-industry-platform")!==-1;if(window.location.search.includes("test\x3denterprise-trial"))return window.location.search.includes("test\x3denterprise-trial")} 117function isCardshow(){if(window.location.pathname.indexOf("/list/")!==-1)return window.location.pathname.indexOf("/list/")!==-1}function trackUngatedPageViews(){var accessedURLs=sessionStorage.getItem("accessedURLs");if(accessedURLs){accessedURLs=JSON.parse(accessedURLs);setAccessedURLs(accessedURLs)}else{accessedURLs=[];setAccessedURLs(accessedURLs)}}function setAccessedURLs(accessedURLs){accessedURLs.push(location.pathname);sessionStorage.setItem("accessedURLs",JSON.stringify(accessedURLs))}})(window)}catch(error){window.bspLogger_runtimeScriptError(error, 118"piano In-line Gating: Scripts V2 - Registration \x26amp; SL Confirmation - Pipedream")};</script>
118
118<script id="script_00000182-a7b5-d17a-a5d6-bfbdbf600000" data-name="Piano Message Event Handlers">'use strict';try{window.addEventListener("message",function(e){if(e.data=="wideRegister")tp.pianoId.show({screen:"register",width:"700"});if(e.data=="wideLogin")tp.pianoId.show({screen:"login",width:"700"})})}catch(error){window.bspLogger_runtimeScriptError(error,"Piano Message Event Handlers")};</script>
118
118<script id="script_0000019c-9cc9-ddf5-a19f-ffcb84120000" data-name="Piano Custom Event Handlers">'use strict';try{tp.push(["addHandler","customEvent",function(event){switch(event.eventName){case "systemCloseRedirect":console.log("close modal and redirect");var redirectRules=[{match:"/enterprise-trial-market-intelligence-ai",to:"/ai-intelligence"},{match:"/enterprise-trial-payments-intelligence",to:"/payments-intelligence"}];var path=window.location.pathname;var rule=redirectRules.find(function(r){return path.indexOf(r.match)===0});var target=rule&&rule.to?rule.to:"/";if(tp.template)tp.template.close(); 119window.location.assign(target);break}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Piano Custom Event Handlers")};</script>
119
119<script id="script_0000017a-5325-d72f-a3fa-73ff09d20001" data-name="Checkbox NL Optin - Regulation + Community Banking JS">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "checkbox-email-signup":var obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["ebn.uat.serial2.source-media.psdops.com"]="EBN Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]= 120"Bank Investment Consultant";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive"; 121obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)},brand;if(location.pathname.includes("money-management-executive"))brand=obj_brand["money-management-executive"];else if(location.pathname.includes("/creditunions"))brand=obj_brand["www.americanbanker.com/creditunions"]; 122else brand=obj_brand[location.hostname];var regulation,community;if(event.params.regulation)regulation="t";else regulation="f";if(event.params.community)community_banking="t";else community_banking="f";var newsletter_ab=[{"regulation":regulation,"community_banking":community_banking}];bt("updateUser",{email:getPianoUserEmail(),newsletter_ab:newsletter_ab});bt("track","preference_update",{source:"Checkbox Modal",newsletter_ab:newsletter_ab,brand:brand})}}]);function getPianoUserEmail(){var tp=window.tp|| 123[];var isValidUser=false;var user={};if(tp.user)isValidUser=tp.user.isUserValid();if(isValidUser&&tp.pianoId){user=tp.pianoId.getUser();return user.email}}}catch(error){window.bspLogger_runtimeScriptError(error,"Checkbox NL Optin - Regulation + Community Banking JS")};</script>
123
123<script id="script_0000017c-c2db-d35d-af7d-f6fb03930000" data-name="Piano: Login for Grade Period Promo">'use strict';try{window.addEventListener("message",function(e){if(e.data=="loginModal"){tp.pianoId.show({screen:"login",width:"500"});console.log(e.data+"fired")}})}catch(error){window.bspLogger_runtimeScriptError(error,"Piano: Login for Grade Period Promo")};</script>
123
123<script id="script_00000189-aca4-d340-abbd-bca56b2e0000" data-name="EDU Subscribe tryAgain JS Handler">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){switch(event.eventName){case "tryAgain":console.log('Event "'+event.eventName+'" is running');tp.template.close();tp.user.logout();tp.experience.execute()}}])}catch(error){window.bspLogger_runtimeScriptError(error,"EDU Subscribe tryAgain JS Handler")};</script>
123
123<script id="script_0000018b-39db-d912-a1cf-7dfb7a190000" data-name="Handle Reg Confirmation Close JS">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){if(event.eventName==="dynamicRegConfClose"){tp.offer.close();var isTestUser;tp.pianoId.loadExtendedUser({extendedUserLoaded:function(data){for(var i in data.custom_field_values){var fieldName=data.custom_field_values[i].field_name;var fieldValue=data.custom_field_values[i].value;console.log("Field "+fieldName+" has value "+fieldValue);if(fieldName==="pv_meter_variant"&&fieldValue==="PV3")isTestUser=true}if(isTestUser)tp.template.show({templateId:"OTHQTC1AZELA", 124containerSelector:".piano-box-footer",displayMode:"inline"})},formName:"pv_meter_test"})}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Handle Reg Confirmation Close JS")};</script>
124
124<script id="script_0000019c-09a4-d494-a1bf-dff74b5a0000" data-name="Miso Script">'use strict';try{const misoapp=window.misoapp||(window.misoapp=[]);misoapp.push(({start,defaultOptions,site})=>{start()})}catch(error){window.bspLogger_runtimeScriptError(error,"Miso Script")};</script>
124
124<script id="script_0000019e-4608-d871-a99f-e7ca8eec0001" data-name="VWO SmartCode">'use strict';try{console.log("VWO SmartCode loaded");(function(){var d=document;var link=d.createElement("link");link.rel="preconnect";link.href="https://dev.visualwebsiteoptimizer.com";d.head.appendChild(link);var s=d.createElement("script");s.type="text/javascript";var wrapper=d.currentScript;if(wrapper&&wrapper.nonce)s.nonce=wrapper.nonce;s.text="window._vwo_code ||\n (function () {\n var w \x3d window,\n d \x3d document;\n var account_id \x3d 1180084,\n version \x3d 2.2,\n settings_tolerance \x3d 2000,\n hide_element \x3d 'body',\n hide_element_style \x3d 'opacity:0 !important;filter:alpha(opacity\x3d0) !important;background:none !important';\n /* DO NOT EDIT BELOW THIS LINE */\n var f \x3d 0, v;\n if (f \x3d !1, v \x3d d.currentScript, cc \x3d {}, -1 \x3c d.URL.indexOf('__vwo_disable__') || w._vwo_code) return; try { var e \x3d JSON.parse(localStorage.getItem('_vwo_' + account_id + '_config')); cc \x3d e \x26\x26 'object' \x3d\x3d typeof e ? e : {}; } catch (e) { } function r(t) { try { return decodeURIComponent(t); } catch (e) { return t; } } var s \x3d function () { var e \x3d { combination: [], combinationChoose: [], split: [], exclude: [], uuid: null, consent: null, optOut: null }, t \x3d d.cookie || ''; if (!t) return e; for (var n, i, o \x3d /(?:^|;\\s*)(?:(_vis_opt_exp_(\\d+)_combi\x3d([^;]*))|(_vis_opt_exp_(\\d+)_combi_choose\x3d([^;]*))|(_vis_opt_exp_(\\d+)_split\x3d([^:;]*))|(_vis_opt_exp_(\\d+)_exclude\x3d[^;]*)|(_vis_opt_out\x3d([^;]*))|(_vwo_global_opt_out\x3d[^;]*)|(_vwo_uuid\x3d([^;]*))|(_vwo_consent\x3d([^;]*)))/g; null !\x3d\x3d (n \x3d o.exec(t));)try { n[1] ? e.combination.push({ id: n[2], value: r(n[3]) }) : n[4] ? e.combinationChoose.push({ id: n[5], value: r(n[6]) }) : n[7] ? e.split.push({ id: n[8], value: r(n[9]) }) : n[10] ? e.exclude.push({ id: n[11] }) : n[12] ? e.optOut \x3d r(n[13]) : n[14] ? e.optOut \x3d !0 : n[15] ? e.uuid \x3d r(n[16]) : n[17] \x26\x26 (i \x3d r(n[18]), e.consent \x3d i \x26\x26 3 \x3c\x3d i.length ? i.substring(0, 3) : null); } catch (e) { } return e; }(); function i() { var e \x3d function () { if (w.VWO \x26\x26 Array.isArray(w.VWO)) for (var e \x3d 0; e \x3c w.VWO.length; e++) { var t \x3d w.VWO[e]; if (Array.isArray(t) \x26\x26 ('setVisitorId' \x3d\x3d\x3d t[0] || 'setSessionId' \x3d\x3d\x3d t[0])) return !0; } return !1; }(), t \x3d 'a\x3d' + account_id + '\x26u\x3d' + encodeURIComponent(w._vis_opt_url || d.URL) + '\x26vn\x3d' + version + '\x26ph\x3d1' + ('undefined' !\x3d typeof platform ? '\x26p\x3d' + platform : '') + '\x26st\x3d' + w.performance.now(); e || ((n \x3d function () { var e, t \x3d [], n \x3d {}, i \x3d w.VWO \x26\x26 w.VWO.appliedCampaigns || {}; for (e in i) { var o \x3d i[e] \x26\x26 i[e].v; o \x26\x26 (t.push(e + '-' + o + '-1'), n[e] \x3d !0); } if (s \x26\x26 s.combination) for (var r \x3d 0; r \x3c s.combination.length; r++) { var a \x3d s.combination[r]; n[a.id] || t.push(a.id + '-' + a.value); } return t.join('|'); }()) \x26\x26 (t +\x3d '\x26c\x3d' + n), (n \x3d function () { var e \x3d [], t \x3d {}; if (s \x26\x26 s.combinationChoose) for (var n \x3d 0; n \x3c s.combinationChoose.length; n++) { var i \x3d s.combinationChoose[n]; e.push(i.id + '-' + i.value), t[i.id] \x3d !0; } if (s \x26\x26 s.split) for (var o \x3d 0; o \x3c s.split.length; o++)t[(i \x3d s.split[o]).id] || e.push(i.id + '-' + i.value); return e.join('|'); }()) \x26\x26 (t +\x3d '\x26cc\x3d' + n), (n \x3d function () { var e \x3d {}, t \x3d []; if (w.VWO \x26\x26 Array.isArray(w.VWO)) for (var n \x3d 0; n \x3c w.VWO.length; n++) { var i \x3d w.VWO[n]; if (Array.isArray(i) \x26\x26 'setVariation' \x3d\x3d\x3d i[0] \x26\x26 i[1] \x26\x26 Array.isArray(i[1])) for (var o \x3d 0; o \x3c i[1].length; o++) { var r, a \x3d i[1][o]; a \x26\x26 'object' \x3d\x3d typeof a \x26\x26 (r \x3d a.e, a \x3d a.v, r \x26\x26 a \x26\x26 (e[r] \x3d a)); } } for (r in e) t.push(r + '-' + e[r]); return t.join('|'); }()) \x26\x26 (t +\x3d '\x26sv\x3d' + n)), s \x26\x26 s.optOut \x26\x26 (t +\x3d '\x26o\x3d' + s.optOut); var n \x3d function () { var e \x3d [], t \x3d {}; if (s \x26\x26 s.exclude) for (var n \x3d 0; n \x3c s.exclude.length; n++) { var i \x3d s.exclude[n]; t[i.id] || (e.push(i.id), t[i.id] \x3d !0); } return e.join('|'); }(); return n \x26\x26 (t +\x3d '\x26e\x3d' + n), s \x26\x26 s.uuid \x26\x26 (t +\x3d '\x26id\x3d' + s.uuid), s \x26\x26 s.consent \x26\x26 (t +\x3d '\x26consent\x3d' + s.consent), w.name \x26\x26 -1 \x3c w.name.indexOf('_vis_preview') \x26\x26 (t +\x3d '\x26pM\x3dtrue'), w.VWO \x26\x26 w.VWO.ed \x26\x26 (t +\x3d '\x26ed\x3d' + w.VWO.ed), t; } code \x3d { nonce: v \x26\x26 v.nonce, library_tolerance: function () { return 'undefined' !\x3d typeof library_tolerance ? library_tolerance : void 0; }, settings_tolerance: function () { return cc.sT || settings_tolerance; }, hide_element_style: function () { return '{' + (cc.hES || hide_element_style) + '}'; }, hide_element: function () { return performance.getEntriesByName('first-contentful-paint')[0] ? '' : 'string' \x3d\x3d typeof cc.hE ? cc.hE : hide_element; }, getVersion: function () { return version; }, finish: function (e) { var t; f || (f \x3d !0, (t \x3d d.getElementById('_vis_opt_path_hides')) \x26\x26 t.parentNode.removeChild(t), e \x26\x26 ((new Image).src \x3d 'https://dev.visualwebsiteoptimizer.com/ee.gif?a\x3d' + account_id + e)); }, finished: function () { return f; }, addScript: function (e) { var t \x3d d.createElement('script'); t.type \x3d 'text/javascript', e.src ? t.src \x3d e.src : t.text \x3d e.text, v \x26\x26 t.setAttribute('nonce', v.nonce), d.getElementsByTagName('head')[0].appendChild(t); }, load: function (e, t) { t \x3d t || {}; var n \x3d new XMLHttpRequest; n.open('GET', e, !0), n.withCredentials \x3d !t.dSC, n.responseType \x3d t.responseType || 'text', n.onload \x3d function () { if (t.onloadCb) return t.onloadCb(n, e); 200 \x3d\x3d\x3d n.status ? _vwo_code.addScript({ text: n.responseText }) : _vwo_code.finish('\x26e\x3dloading_failure:' + e); }, n.onerror \x3d function () { if (t.onerrorCb) return t.onerrorCb(e); _vwo_code.finish('\x26e\x3dloading_failure:' + e); }, n.send(); }, init: function () { var e, t \x3d this.settings_tolerance(); w._vwo_settings_timer \x3d setTimeout(function () { _vwo_code.finish(); }
124, t), 'body' !\x3d\x3d this.hide_element() ? (n \x3d d.createElement('style'), e \x3d (t \x3d this.hide_element()) ? t + this.hide_element_style() : '', t \x3d d.getElementsByTagName('head')[0], n.setAttribute('id', '_vis_opt_path_hides'), v \x26\x26 n.setAttribute('nonce', v.nonce), n.setAttribute('type', 'text/css'), n.styleSheet ? n.styleSheet.cssText \x3d e : n.appendChild(d.createTextNode(e)), t.appendChild(n)) : (n \x3d d.getElementsByTagName('head')[0], (e \x3d d.createElement('div')).style.cssText \x3d 'z-index: 2147483647 !important;position: fixed !important;left: 0 !important;top: 0 !important;width: 100% !important;height: 100% !important;background: white !important;', e.setAttribute('id', '_vis_opt_path_hides'), e.classList.add('_vis_hide_layer'), n.parentNode.insertBefore(e, n.nextSibling)); var n \x3d 'https://dev.visualwebsiteoptimizer.com/j.php?' + i(); -1 !\x3d\x3d w.location.search.indexOf('_vwo_xhr') ? this.addScript({ src: n }) : this.load(n + '\x26x\x3dtrue', { l: 1 }); } }; w._vwo_code \x3d code; code.init();\n })();"; 125d.head.appendChild(s)})()}catch(error){window.bspLogger_runtimeScriptError(error,"VWO SmartCode")};</script>
125
125<script id="script_0000019f-ae75-d07a-addf-ae7da9670000" data-name="JS URL Param Check Add Class">'use strict';try{(function(){var params=new URLSearchParams(window.location.search);if(params.get("from_app")==="1")document.documentElement.classList.add("from-app-view")})()}catch(error){window.bspLogger_runtimeScriptError(error,"JS URL Param Check Add Class")};</script>
125 </head> <body class="Page-body" data-site-id="american-banker" data-is-events-page="false" data-is-subscribe-page="false" data-is-preference-center-page="false" data-is-leaders-page="false" data-bsp-logger-level="0" data-frontend-notifications="true" data-is-mobile-header-ad-placement-set="true" data-is-general-header-ad-placement-set="true" data-is-aside-sticky="false" data-miso-explore-answer-url="/answers"> <div class="PageAboveTopicBar ArticlePage-aboveTopicBar"> <div id="googleAd62e2853d-7be4-4772-bb0f-3f58f73d8026" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[970, 91], [970, 90], [970, 250], [728, 90], [320, 50], [300, 250]]" data-slot-adSizeMap="[[[768, 0], [728, 90], [970, 250], [970, 90], [970, 91]], [[320, 0], [300, 250], [320, 50]]]" data-position="collapsed_header1"> <span class="GoogleDfpAd-placeholder"></span> </div><ps-piano class="piano-box-above-topics" style="display:block"></ps-piano> </div> <noscript id="google_tag_manager_noscript"> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5DXTZXR" height="0" width="0" style="display:none;visibility:hidden"> </iframe> </noscript> <svg xmlns="http://www.w3.org/2000/svg" style="display:none" id="iconsMap"> <symbol id="mono-icon-facebook" viewBox="0 0 10 19"> <path fill-rule="evenodd" d="M2.707 18.25V10.2H0V7h2.707V4.469c0-1.336.375-2.373 1.125-3.112C4.582.62 5.578.25 6.82.25c1.008 0 1.828.047 2.461.14v2.848H7.594c-.633 0-1.067.14-1.301.422-.188.235-.281.61-.281 1.125V7H9l-.422 3.2H6.012v8.05H2.707z"> </path> </symbol> <symbol id="mono-icon-instagram" viewBox="0 0 17 17"> <g> <path fill-rule="evenodd" d="M8.281 4.207c.727 0 1.4.182 2.022.545a4.055 4.055 0 0 1 1.476 1.477c.364.62.545 1.294.545 2.021 0 .727-.181 1.4-.545 2.021a4.055 4.055 0 0 1-1.476 1.477 3.934 3.934 0 0 1-2.022.545c-.726 0-1.4-.182-2.021-.545a4.055 4.055 0 0 1-1.477-1.477 3.934 3.934 0 0 1-.545-2.021c0-.727.182-1.4.545-2.021A4.055 4.055 0 0 1 6.26 4.752a3.934 3.934 0 0 1 2.021-.545zm0 6.68a2.54 2.54 0 0 0 1.864-.774 2.54 2.54 0 0 0 .773-1.863 2.54 2.54 0 0 0-.773-1.863 2.54 2.54 0 0 0-1.864-.774 2.54 2.54 0 0 0-1.863.774 2.54 2.54 0 0 0-.773 1.863c0 .727.257 1.348.773 1.863a2.54 2.54 0 0 0 1.863.774zM13.45 4.03c-.023.258-.123.48-.299.668a.856.856 0 0 1-.65.281.913.913 0 0 1-.668-.28.913.913 0 0 1-.281-.669c0-.258.094-.48.281-.668a.913.913 0 0 1 .668-.28c.258 0 .48.093.668.28.187.188.281.41.281.668zm2.672.95c.023.656.035 1.746.035 3.269 0 1.523-.017 2.62-.053 3.287-.035.668-.134 1.248-.298 1.74a4.098 4.098 0 0 1-.967 1.53 4.098 4.098 0 0 1-1.53.966c-.492.164-1.072.264-1.74.3-.668.034-1.763.052-3.287.052-1.523 0-2.619-.018-3.287-.053-.668-.035-1.248-.146-1.74-.334a3.747 3.747 0 0 1-1.53-.931 4.098 4.098 0 0 1-.966-1.53c-.164-.492-.264-1.072-.299-1.74C.424 10.87.406 9.773.406 8.25S.424 5.63.46 4.963c.035-.668.135-1.248.299-1.74.21-.586.533-1.096.967-1.53A4.098 4.098 0 0 1 3.254.727c.492-.164 1.072-.264 1.74-.3C5.662.394 6.758.376 8.281.376c1.524 0 2.62.018 3.287.053.668.035 1.248.135 1.74.299a4.098 4.098 0 0 1 2.496 2.496c.165.492.27 1.078.317 1.757zm-1.687 7.91c.14-.399.234-1.032.28-1.899.024-.515.036-1.242.036-2.18V7.689c0-.961-.012-1.688-.035-2.18-.047-.89-.14-1.524-.281-1.899a2.537 2.537 0 0 0-1.512-1.511c-.375-.14-1.008-.235-1.899-.282a51.292 51.292 0 0 0-2.18-.035H7.72c-.938 0-1.664.012-2.18.035-.867.047-1.5.141-1.898.282a2.537 2.537 0 0 0-1.512 1.511c-.14.375-.234 1.008-.281 1.899a51.292 51.292 0 0 0-.036 2.18v1.125c0 .937.012 1.664.036 2.18.047.866.14 1.5.28 1.898.306.726.81 1.23 1.513 1.511.398.141 1.03.235 1.898.282.516.023 1.242.035 2.18.035h1.125c.96 0 1.687-.012 2.18-.035.89-.047 1.523-.141 1.898-.282.726-.304 1.23-.808 1.512-1.511z"> </path> </g> </symbol> <symbol id="mono-icon-email" viewBox="0 0 20 14"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M18.59 11.636c0 .678-.549 1.228-1.226 1.228H2.636c-.677 0-1.227-.55-1.227-1.228v-9c0-.678.55-1.227 1.227-1.227h14.728c.677 0 1.227.55 1.227 1.227v9z"/> <path d="M18.182 1.818L10 8.364 1.818 1.818"/> </g> </symbol>
125 <symbol id="mono-icon-mailto" viewBox="0 0 20 14"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M18.59 11.636c0 .678-.549 1.228-1.226 1.228H2.636c-.677 0-1.227-.55-1.227-1.228v-9c0-.678.55-1.227 1.227-1.227h14.728c.677 0 1.227.55 1.227 1.227v9z"/> <path d="M18.182 1.818L10 8.364 1.818 1.818"/> </g> </symbol> <symbol id="mono-icon-print" viewBox="0 0 20 18"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round" stroke-width=".9"> <path d="M5.125 13.375h-2.25c-.825 0-1.5-.675-1.5-1.5v-4.5c0-.825.675-1.5 1.5-1.5h14.25c.826 0 1.5.675 1.5 1.5v4.5c0 .825-.674 1.5-1.5 1.5h-2.25M5.125 4.375v-3h7.5l2.25 2.25v.75"/> <path d="M5.125 17.125h9.75v-6h-9.75zM4.375 8.125a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0zM6.625 12.625h6.75M6.625 14.125h6.75M6.625 15.625h6.75M12.625 1.375v2.25h2.25"/> </g> </symbol> <symbol id="mono-download" viewBox="0 0 20 18"> <g fill="none" fill-rule="evenodd" stroke="#ffffff" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5"> <path d="M13 9.273V12a.546.546 0 0 1-.545.545H1.545A.546.546 0 0 1 1 12V9.273M7 1v8.364"/> <path d="M10.273 6.09L7 9.365 3.727 6.09"/> </g> </symbol> <symbol id="mono-icon-copylink" viewBox="0 0 15 19"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M14 7.138L10.333 3h-6.81A.52.52 0 0 0 3 3.517v13.966a.52.52 0 0 0 .524.517h9.952a.52.52 0 0 0 .524-.517V7.138z"/> <path d="M8.333 1h-6.81A.52.52 0 0 0 1 1.517v13.966a.52.52 0 0 0 .524.517M10 3v3.5c0 .276.256.5.571.5H14M6 9h5M6 12h5M6 15h5"/> </g> </symbol> <symbol id="mono-icon-linkedin" viewBox="0 0 16 17"> <g fill-rule="evenodd"> <path d="M3.734 16.125H.464V5.613h3.27zM2.117 4.172c-.515 0-.96-.188-1.336-.563A1.825 1.825 0 0 1 .22 2.273c0-.515.187-.96.562-1.335.375-.375.82-.563 1.336-.563.516 0 .961.188 1.336.563.375.375.563.82.563 1.335 0 .516-.188.961-.563 1.336-.375.375-.82.563-1.336.563zM15.969 16.125h-3.27v-5.133c0-.844-.07-1.453-.21-1.828-.259-.633-.762-.95-1.512-.95s-1.278.282-1.582.845c-.235.421-.352 1.043-.352 1.863v5.203H5.809V5.613h3.128v1.442h.036c.234-.469.609-.856 1.125-1.16.562-.375 1.218-.563 1.968-.563 1.524 0 2.59.48 3.2 1.441.468.774.703 1.97.703 3.586v5.766z"> </path> </g> </symbol> <symbol id="mono-icon-pinterest" viewBox="0 0 512 512"> <g> <path d="M256,32C132.3,32,32,132.3,32,256c0,91.7,55.2,170.5,134.1,205.2c-0.6-15.6-0.1-34.4,3.9-51.4 c4.3-18.2,28.8-122.1,28.8-122.1s-7.2-14.3-7.2-35.4c0-33.2,19.2-58,43.2-58c20.4,0,30.2,15.3,30.2,33.6 c0,20.5-13.1,51.1-19.8,79.5c-5.6,23.8,11.9,43.1,35.4,43.1c42.4,0,71-54.5,71-119.1c0-49.1-33.1-85.8-93.2-85.8 c-67.9,0-110.3,50.7-110.3,107.3c0,19.5,5.8,33.3,14.8,43.9c4.1,4.9,4.7,6.9,3.2,12.5c-1.1,4.1-3.5,14-4.6,18 c-1.5,5.7-6.1,7.7-11.2,5.6c-31.3-12.8-45.9-47-45.9-85.6c0-63.6,53.7-139.9,160.1-139.9c85.5,0,141.8,61.9,141.8,128.3 c0,87.9-48.9,153.5-120.9,153.5c-24.2,0-46.9-13.1-54.7-27.9c0,0-13,51.6-15.8,61.6c-4.7,17.3-14,34.5-22.5,48 c20.1,5.9,41.4,9.2,63.5,9.2c123.7,0,224-100.3,224-224C480,132.3,379.7,32,256,32z"></path> </g> </symbol> <symbol id="mono-icon-tumblr" viewBox="0 0 512 512"> <g> <path d="M321.2,396.3c-11.8,0-22.4-2.8-31.5-8.3c-6.9-4.1-11.5-9.6-14-16.4c-2.6-6.9-3.6-22.3-3.6-46.4V224h96v-64h-96V48h-61.9 c-2.7,21.5-7.5,44.7-14.5,58.6c-7,13.9-14,25.8-25.6,35.7c-11.6,9.9-25.6,17.9-41.9,23.3V224h48v140.4c0,19,2,33.5,5.9,43.5 c4,10,11.1,19.5,21.4,28.4c10.3,8.9,22.8,15.7,37.3,20.5c14.6,4.8,31.4,7.2,50.4,7.2c16.7,0,30.3-1.7,44.7-5.1 c14.4-3.4,30.5-9.3,48.2-17.6v-65.6C363.2,389.4,342.3,396.3,321.2,396.3z"></path> </g> </symbol> <symbol id="mono-icon-twitter" viewBox="0,0,255.99538,255.99538"> <g fill-rule="nonzero" stroke="none" stroke-width="1" stroke-linecap="butt" stroke-linejoin="miter" stroke-miterlimit="10" stroke-dasharray="" stroke-dashoffset="0" font-family="none" font-weight="none" font-size="none" text-anchor="none" style="mix-blend-mode: normal"> <g transform="scale(10.66667,10.66667)"> <path d="M2.36719,3l7.0957,10.14063l-6.72266,7.85938h2.64063l5.26367,-6.16992l4.31641,6.16992h6.91016l-7.42187,-10.625l6.29102,-7.375h-2.59961l-4.86914,5.6875l-3.97266,-5.6875zM6.20703,5h2.04883l9.77734,14h-2.03125z"></path> </g> </g> </symbol> <symbol id="mono-icon-x-byline" viewBox="0 0 20 20"> <g clip-path="url(#clip0_98_182)"> <path d="M10.5465 8.7601L14.6415 4H13.6711L10.1154 8.13313L7.27551 4H4L8.29451 10.25L4 15.2417H4.97044L8.72533 10.877L11.7245 15.2417H15L10.5465 8.7601ZM9.21735 10.3051L8.78222 9.68273L5.3201 4.73053H6.81064L9.60461 8.72711L10.0397 9.34947L13.6716 14.5444H12.181L9.21735 10.3051Z" fill="currentColor"/> </g> </symbol> <symbol id="mono-icon-linkedin-byline" viewBox="0 0 20 20"> <g clip-path="url(#clip0_98_178)"> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.6709 10.1805C11.1454 10.1805 10.7198 10.6066 10.7198 11.1316V14.4607H8.34189C8.34189 14.4607 8.36995 8.75374 8.34189 8.27817H10.7198V8.9844C10.7198 8.9844 11.456 8.29814 12.5931 8.29814C14.0013 8.29814 15 9.31731 15 11.2962V14.4607H12.6221V11.1316C12.6221 10.6066 12.1965 10.1805 11.6709
12510.1805ZM6.19703 7.32701H6.18324C5.46464 7.32701 5 6.76487 5 6.1471C5 5.51505 5.47891 5 6.2113 5C6.94417 5 7.39454 5.5317 7.40881 6.16374C7.40881 6.78199 6.94417 7.32701 6.19703 7.32701ZM7.39074 14.4607H5.01284V8.27817H7.39074V14.4607Z" fill="currentColor"/> </g> </symbol> <symbol id="mono-icon-mail-byline" viewBox="0 0 14 14"> <path d="M2.4499 11.1998C2.16796 11.1998 1.92247 11.0953 1.71344 10.8863C1.50442 10.6772 1.3999 10.4317 1.3999 10.1498V3.8498C1.3999 3.56786 1.50442 3.32237 1.71344 3.11335C1.92247 2.90432 2.16796 2.7998 2.4499 2.7998H11.5499C11.8416 2.7998 12.0895 2.90432 12.2937 3.11335C12.4978 3.32237 12.5999 3.56786 12.5999 3.8498V10.1498C12.5999 10.4317 12.4978 10.6772 12.2937 10.8863C12.0895 11.0953 11.8416 11.1998 11.5499 11.1998H2.4499ZM6.9999 7.6998L11.5499 5.08939V3.8498L6.9999 6.46022L2.4499 3.8498V5.08939L6.9999 7.6998Z" fill="currentColor"/> </symbol> <symbol id="mono-icon-person-byline" viewBox="0 0 20 20"> <g clip-path="url(#clip0_98_175)"> <path d="M10 10C9.16667 10 8.45833 9.70833 7.875 9.125C7.29167 8.54167 7 7.83333 7 7C7 6.16667 7.29167 5.45833 7.875 4.875C8.45833 4.29167 9.16667 4 10 4C10.8333 4 11.5417 4.29167 12.125 4.875C12.7083 5.45833 13 6.16667 13 7C13 7.83333 12.7083 8.54167 12.125 9.125C11.5417 9.70833 10.8333 10 10 10ZM4 16V14C4 13.6806 4.08681 13.3785 4.26042 13.0938C4.43403 12.809 4.67361 12.5694 4.97917 12.375C5.74306 11.9306 6.55208 11.5903 7.40625 11.3542C8.26042 11.1181 9.125 11 10 11C10.875 11 11.7396 11.1181 12.5938 11.3542C13.4479 11.5903 14.2569 11.9306 15.0208 12.375C15.3264 12.5556 15.566 12.7917 15.7396 13.0833C15.9132 13.375 16 13.6806 16 14V16H4Z" fill="currentColor"/> </g> </symbol> <symbol id="mono-icon-youtube" viewBox="0 0 32 32"> <defs> <rect id="aa" x="0" y="0" width="32" height="32" rx="5"/> </defs> <g fill="none" fill-rule="evenodd"> <mask id="ab" fill="#fff"> <use xlink:href="#aa"/> </mask> <use fill="#FFF" xlink:href="#aa"/> <g mask="url(#ab)" fill-rule="nonzero"> <path d="M28.456 9.86a3.267 3.267 0 0 0-2.298-2.313C24.13 7 16 7 16 7s-8.13 0-10.158.547A3.267 3.267 0 0 0 3.544 9.86C3 11.902 3 16.16 3 16.16s0 4.257.544 6.298a3.267 3.267 0 0 0 2.298 2.314c2.029.546 10.158.546 10.158.546s8.13 0 10.158-.546a3.267 3.267 0 0 0 2.298-2.314C29 20.418 29 16.16 29 16.16s0-4.257-.544-6.299Z" fill="red"/> <path fill="#FFF" d="m13.34 20.025 6.796-3.866-6.795-3.866z"/> </g> </g> </symbol> <symbol id="mono-icon-whatsapp" viewBox="0 0 32 32"> <defs> <mask id="aa" x="0" y="-.05" width="32" height="32" maskUnits="userSpaceOnUse"> <rect y="-.05" width="32" height="32" rx="5" ry="5" fill="#fff" stroke-width="0"></rect> </mask> </defs> <rect width="32" height="32" rx="5" ry="5" fill="#25d366"></rect> <g mask="url(#aa)"> <path d="M23.09 8.87a9.895 9.895 0 0 0-7.04-2.92c-5.49 0-9.96 4.47-9.96 9.96 0 1.76.46 3.47 1.33 4.98l-1.41 5.16 5.28-1.38c1.45.79 3.09 1.21 4.76 1.21 5.49 0 9.96-4.47 9.96-9.96 0-2.66-1.03-5.16-2.91-7.04Zm-7.04 15.32c-1.49 0-2.94-.4-4.21-1.15l-.3-.18-3.13.82.84-3.05-.2-.31a8.253 8.253 0 0 1-1.27-4.4c0-4.56 3.71-8.28 8.28-8.28 2.21 0 4.29.86 5.85 2.43a8.228 8.228 0 0 1 2.42 5.86c0 4.56-3.71 8.28-8.28 8.28Zm4.54-6.2c-.25-.12-1.47-.73-1.7-.81-.23-.08-.39-.12-.56.12-.17.25-.64.81-.79.98-.15.17-.29.19-.54.06-.25-.12-1.05-.39-2-1.23a7.283 7.283 0 0 1-1.38-1.72c-.15-.25-.02-.38.11-.51.11-.11.25-.29.37-.44.12-.15.17-.25.25-.41.08-.17.04-.31-.02-.44-.06-.12-.56-1.35-.77-1.85-.2-.49-.41-.42-.56-.43h-.48c-.17 0-.44.06-.66.31-.23.25-.87.85-.87 2.08s.89 2.41 1.02 2.57c.12.17 1.75 2.68 4.25 3.76.59.26 1.06.41 1.42.52.6.19 1.14.16 1.57.1.48-.07 1.47-.6 1.68-1.18.21-.58.21-1.08.15-1.18s-.23-.17-.48-.29Z" fill="#fff" fill-rule="evenodd"></path> </g> </symbol> <symbol id="mono-icon-rss" viewBox="0 0 24 24"> <path d="M6.503 20.752c0 1.794-1.456 3.248-3.251 3.248-1.796 0-3.252-1.454-3.252-3.248 0-1.794 1.456-3.248 3.252-3.248 1.795.001 3.251 1.454 3.251 3.248zm-6.503-12.572v4.811c6.05.062 10.96 4.966 11.022 11.009h4.817c-.062-8.71-7.118-15.758-15.839-15.82zm0-3.368c10.58.046 19.152 8.594 19.183 19.188h4.817c-.03-13.231-10.755-23.954-24-24v4.812z"/> </symbol> <symbol id="mono-icon-itunes" viewBox="0 0 24 24"> <path d="M12,0C5.4,0,0,5.4,0,12s5.4,12,12,12s12-5.4,12-12S18.6,0,12,0z M17,15.1c0,0.8-0.7,1.9-2.2,1.9c-1.4,0-1.7-0.9-1.7-1.5 c0-0.7,0.4-1.5,1.8-1.5c1.2,0,1.2-0.3,1.2-0.9V9L9,9.8c0,2.3,0,5.9,0,6.3C9,16.9,8.3,18,6.8,18C5.4,18,5,17.1,5,16.5 C5,15.8,5.5,15,6.8,15C7.9,15,8,14.7,8,14.1V7.5c0-0.3,0.2-0.6,0.6-0.6L16.3,6C16.7,6,17,6.3,17,6.6C17,6.6,17,14.8,17,15.1z"/> </symbol>
125 <symbol id="mono-icon-google-play" viewBox="0 0 24 24"> <path d="M4.6,0.2L15,10.6l2.7-2.7C14,5.7,9.1,2.7,6.9,1.4L5.4,0.5C5.2,0.3,4.9,0.2,4.6,0.2z M3,1.5c0,0.1,0,0.2,0,0.4v20.5 c0,0.1,0,0.2,0,0.2L13.6,12L3,1.5z M19.4,9l-3,3l3,3c1.6-1,2.7-1.6,2.8-1.7c0.5-0.3,0.8-0.8,0.8-1.4c0-0.5-0.3-1-0.8-1.3 C22.1,10.6,21,9.9,19.4,9z M15,13.4L4.7,23.8c0.2,0,0.4-0.1,0.6-0.2c0.3-0.2,7.5-4.5,12.4-7.5L15,13.4z"/> </symbol> <symbol id="mono-icon-applenews" viewBox="0 0 32 32"> <svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" version="1.1" id="Artwork" x="0px" y="0px" width="32" height="32" viewBox="0 0 79.37009 79.37008" enable-background="new 0 0 79.37009 79.37008" xml:space="preserve"> <g> <path fill="#FFFFFF" d="M54.92133,1.104l2.45795,0.00527c0.79079,0.00481,1.58151,0.01393,2.37211,0.03528 c1.50819,0.04077,3.28744,0.12511,5.04884,0.44173c1.70971,0.30731,3.23051,0.80781,4.64934,1.53006 c1.45724,0.74185,2.78322,1.70511,3.94114,2.86306c1.15791,1.15788,2.12105,2.48365,2.86268,3.94046 c0.72269,1.41956,1.22343,2.9412,1.53081,4.65189c0.31631,1.76056,0.4006,3.53926,0.44137,5.04704 c0.02135,0.79058,0.03042,1.58122,0.03526,2.37199c0.00537,0.8865,0.00532,1.7729,0.00529,2.65942v0.17777v29.71411v0.17776 c0.00002,0.88655,0.00008,1.77295-0.00529,2.65942c-0.00484,0.79079-0.01391,1.58144-0.03526,2.37202 c-0.04076,1.50778-0.12506,3.28648-0.44137,5.04704c-0.30738,1.71069-0.80812,3.23233-1.53081,4.65189 c-0.74163,1.4568-1.7048,2.78259-2.86266,3.94053c-1.15797,1.15791-2.48396,2.12117-3.94116,2.86299 c-1.41883,0.72225-2.93963,1.22276-4.64934,1.53006c-1.7614,0.31662-3.54065,0.40097-5.04889,0.44173 c-0.79055,0.02135-1.58127,0.03046-2.37202,0.03528l-2.458,0.00527h-0.37919H24.828h-0.3792l-2.45796-0.00527 c-0.79085-0.00481-1.58149-0.01393-2.37209-0.03528c-1.5082-0.04076-3.28749-0.12511-5.04886-0.44173 c-1.70972-0.3073-3.23053-0.80781-4.64935-1.53006c-1.4571-0.74175-2.78309-1.70502-3.94114-2.86296 c-1.15791-1.15797-2.12106-2.4838-2.86267-3.94056c-0.72276-1.41965-1.22349-2.9413-1.53081-4.65189 c-0.31637-1.76087-0.40064-3.53942-0.44137-5.04696c-0.02132-0.7906-0.03043-1.5813-0.03525-2.37209 c-0.00537-0.88284-0.00533-1.76559-0.00531-2.64845v-0.18874V24.82797v-0.18874c-0.00002-0.88284-0.00006-1.76558,0.00531-2.64843 c0.00482-0.79079,0.01393-1.58149,0.03525-2.37206c0.04073-1.50756,0.125-3.28612,0.44141-5.04699 c0.30728-1.7106,0.80801-3.23224,1.53077-4.65189C3.85834,8.46305,4.82148,7.13733,5.97934,5.9794 c1.15807-1.158,2.48408-2.12129,3.9412-2.86306c1.41882-0.72226,2.93963-1.22276,4.64935-1.53006 c1.76137-0.31662,3.54066-0.40097,5.04889-0.44173c0.79058-0.02135,1.58121-0.03047,2.37204-0.03528L24.4488,1.104h0.3792h29.71413 H54.92133"> </path> <g> <g> <defs> <linearGradient id="SVGID_1_" gradientUnits="userSpaceOnUse" x1="39.6791" y1="64.48307" x2="39.6791" y2="14.87516"> <stop offset="0" style="stop-color:#FD3159"></stop> <stop offset="1" style="stop-color:#FD5464"></stop> </linearGradient> </defs> <path fill-rule="evenodd" clip-rule="evenodd" fill=red d="M14.87511,42.68384v15.04736l0.00007,2.05833 c0,0.17915-0.00007,0.35847,0.00109,0.53762c0.00079,0.15087,0.00255,0.30185,0.00658,0.45279 c0.00893,0.32877,0.02834,0.66048,0.08678,0.98571c0.05927,0.32986,0.15597,0.63693,0.3085,0.9366 c0.15001,0.29461,0.34577,0.56431,0.57942,0.79803c0.23359,0.23362,0.50303,0.42957,0.7975,0.57949 c0.29973,0.15266,0.60684,0.24953,0.93683,0.30883c0.32487,0.0585,0.65635,0.07775,0.98492,0.08668 c0.15088,0.0041,0.30175,0.00579,0.45266,0.00678c0.17902,0.00102,0.35814,0.00096,0.53732,0.00096l2.05754,0.00006h15.05007 c0.43255,0,0.57376-0.5815,0.18891-0.77891c-9.19414-4.71637-16.4929-12.01512-21.20926-21.2092 c-0.07931-0.15464-0.22062-0.2244-0.36134-0.2244C15.0832,42.27057,14.87511,42.42505,14.87511,42.68384 M19.57666,14.87516 c-0.17955,0-0.35903,0.00007-0.53855,0.00109c-0.15114,0.00086-0.30234,0.00271-0.45348,0.00678 c-0.3294,0.00893-0.66177,0.02828-0.98746,0.08681c-0.33042,0.05953-0.63802,0.15627-0.93822,0.30896 c-0.29517,0.15031-0.56523,0.3464-0.79938,0.58048c-0.23405,0.23408-0.43037,0.50395-0.58045,0.79879 c-0.15299,0.30039-0.24996,0.60803-0.30939,0.93842c-0.0585,0.32559-0.07788,0.65764-0.08688,0.98677 c-0.004,0.15104-0.00579,0.30215-0.00658,0.45325c-0.00109,0.1514-0.00116,0.30287-0.00116,0.45424v0.08407v6.19574 c0,1.26444,0.24589,1.91903,1.18322,2.85649l34.6729,34.67277c0.9492,0.94923,1.59483,1.18325,2.85649,1.18325h6.19382 c0.17942,0,0.35906,0,0.53854-0.00112c0.15121-0.00089,0.30231-0.00265,0.45352-0.00681 c0.32949-0.00887,0.6617-0.02821,0.9874-0.08678c0.33052-0.05943,0.63806-0.15627,0.93829-0.30899 c0.29517-0.15031,0.5652-0.34636,0.79922-0.58044c0.23428-0.23415,0.43047-0.50392,0.58064-0.79876 c0.15302-0.30039,0.24992-0.60803,0.30939-0.93845c0.05851-0.32546,0.07792-0.65751,0.08675-0.98674 c0.0041-0.15104,0.00588-0.30208,0.00674-0.45345c0.00099-0.152,0.00106-0.30433,0.00106-0.45659V53.5878 c0-1.26464-0.24583-1.91917-1.18325-2.85659l-34.6728-34.67281c-0.9492-0.94917-1.59493-1.18318-2.85653-1.18325H19.57666 M42.68392,14.87516c-0.43265,0-0.57386,0.5815-0.18907,0.77891c9.19424,4.71633,16.49287,12.01505,21.20926,21.20919 c0.19747,0.38499,0.77898,0.24368,0.77898-0.189V21.62697l-0.
12500017-2.05833c0-0.17912,0.00017-0.3584-0.00089-0.53758 c-0.00086-0.15097-0.00265-0.30185-0.00681-0.45272c-0.00883-0.32893-0.02811-0.66058-0.08662-0.98574 c-0.0593-0.32993-0.15604-0.63697-0.30859-0.93663c-0.14982-0.2947-0.34577-0.56424-0.57932-0.79793 c-0.23372-0.23372-0.50299-0.42961-0.79753-0.57959c-0.29976-0.15269-0.60684-0.24949-0.9368-0.30876 c-0.32486-0.05847-0.65638-0.07785-0.98495-0.08678c-0.15081-0.00394-0.30169-0.00579-0.45256-0.00665 c-0.17915-0.00109-0.35833-0.00103-0.53738-0.00103l-2.05761-0.00007H42.68392"> </path> </g> </g> </g> </svg> </symbol> <symbol id="mono-icon-googlenews" viewBox="0 0 30 30"> <path d="M25.4534575,17.7594871 C25.4534575,18.2049763 25.0861243,18.5698672 24.6372157,18.5698672 L7.36131888,18.5698672 C6.91241032,18.5698672 6.54507709,18.2049763 6.54507709,17.7594871 L6.54507709,0.810380095 C6.54507709,0.364890856 6.91241032,0 7.36131888,0 L24.6377042,0 C25.0866127,0 25.453946,0.364890856 25.453946,0.810380095 L25.453946,17.7594871 L25.4534575,17.7594871 Z" id="Path" fill="#0C9D58"/> <polygon id="Path" fill="#004D40" opacity="0.2" points="25.4534575 4.35719737 18.9787208 3.52385895 25.4534575 5.2608762"/> <path d="M10.7376584,17.2387727 C10.6209128,17.674004 10.8539154,18.1180278 11.2554419,18.2254923 L27.2569073,22.5289574 C27.6584338,22.6364219 28.0824302,22.3682491 28.1986872,21.9330179 L31.9682491,7.86493665 C32.0849947,7.42970539 31.8519921,6.98568158 31.4504656,6.87821707 L15.4490002,2.57475195 C15.0474737,2.46728744 14.6234773,2.73546024 14.5072203,3.1706915 L10.7376584,17.2387727 Z" id="Path" fill="#EA4335"/> <path d="M23.339826,15.5061517 C23.4936956,15.9296596 23.3002595,16.3922455 22.9099679,16.5343917 L6.02485117,22.6798962 C5.63407113,22.8220424 5.1885819,22.5919707 5.03471226,22.1684628 L0.0532437796,8.4823691 C-0.100625859,8.05886124 0.092810258,7.59627538 0.483101817,7.45412914 L17.3682186,1.30862464 C17.7589986,1.1664784 18.2044879,1.39655015 18.3583575,1.82005801 L23.339826,15.5061517 Z" id="Path" fill="#FFC107"/> <path d="M28.3628148,25.3626011 C28.3628148,25.8124866 27.9945047,26.1807968 27.5446191,26.1807968 L4.45440391,26.1807968 C4.00451839,26.1807968 3.63620821,25.8124866 3.63620821,25.3626011 L3.63620821,7.9088994 C3.63620821,7.45901389 4.00451839,7.09070371 4.45440391,7.09070371 L27.5446191,7.09070371 C27.9945047,7.09070371 28.3628148,7.45901389 28.3628148,7.9088994 L28.3628148,25.3626011 Z" id="Path" fill="#4285F4"/> <path d="M23.9538391,13.9996947 L17.0448481,13.9996947 L17.0448481,12.1815906 L23.9538391,12.1815906 C24.1546024,12.1815906 24.3172645,12.3442528 24.3172645,12.545016 L24.3172645,13.6357808 C24.3172645,13.836544 24.1546024,13.9996947 23.9538391,13.9996947 Z" id="Path" fill="#FFFFFF"/> <path d="M23.9538391,20.9081972 L17.0448481,20.9081972 L17.0448481,19.0900931 L23.9538391,19.0900931 C24.1546024,19.0900931 24.3172645,19.2527553 24.3172645,19.4535185 L24.3172645,20.5442833 C24.3172645,20.745535 24.1546024,20.9081972 23.9538391,20.9081972 Z" id="Path" fill="#FFFFFF"/> <path d="M25.0446039,17.4537017 L17.0448481,17.4537017 L17.0448481,15.6355976 L25.0446039,15.6355976 C25.2453671,15.6355976 25.4080293,15.7982598 25.4080293,15.999023 L25.4080293,17.0897878 C25.4080293,17.2910395 25.2453671,17.4537017 25.0446039,17.4537017 Z" id="Path" fill="#FFFFFF"/> <path d="M27.5446191,25.9990841 L4.45440391,25.9990841 C4.00451839,25.9990841 3.63620821,25.6307739 3.63620821,25.1808884 L3.63620821,25.3626011 C3.63620821,25.8124866 4.00451839,26.1807968 4.45440391,26.1807968 L27.5446191,26.1807968 C27.9945047,26.1807968 28.3628148,25.8124866 28.3628148,25.3626011 L28.3628148,25.1808884 C28.3628148,25.6307739 27.9945047,25.9990841 27.5446191,25.9990841 Z" id="Path" fill="#1A237E" opacity="0.2"/> <path d="M10.8631965,15.8177988 L10.8631965,17.4576095 L13.2161807,17.4576095 C13.0217677,18.456541 12.1434895,19.1809495 10.8631965,19.1809495 C9.43489544,19.1809495 8.27672111,17.9729507 8.27672111,16.5446497 C8.27672111,15.1163486 9.43489544,13.9083499 10.8631965,13.9083499 C11.5065181,13.9083499 12.08243
12502,14.1296291 12.5372004,14.5629064 L12.5372004,14.5638834 L13.7823233,13.3187605 C13.0261639,12.613891 12.0399328,12.1815906 10.862708,12.1815906 C8.4530606,12.1815906 6.49916043,14.1350023 6.49916043,16.5451381 C6.49916043,18.955274 8.45257213,20.9086857 10.862708,20.9086857 C13.3827507,20.9086857 15.040635,19.1369867 15.040635,16.6442986 C15.040635,16.3585407 15.0142574,16.0830408 14.97176,15.8177988 L10.8631965,15.8177988 Z" id="Path" fill="#FFFFFF"/> <path d="M31.4509541,6.87821707 L25.453946,5.26527248 L25.453946,0.810380095 C25.453946,0.364890856 25.0866127,0 24.6377042,0 L7.36131888,0 C6.91241032,0 6.54507709,0.364890856 6.54507709,0.810380095 L6.54507709,5.24768738 L0.483101817,7.45412914 C0.0923217829,7.59627538 -0.101114334,8.05886124 0.0532437796,8.4823691 L3.63620821,18.3270951 L3.63620821,25.3626011 C3.63620821,25.8124866 4.00451839,26.1807968 4.45440391,26.1807968 L27.5446191,26.1807968 C27.9945047,26.1807968 28.3628148,25.8124866 28.3628148,25.3626011 L28.3628148,21.323401 L31.9692261,7.86493665 C32.0854831,7.42970539 31.8524805,6.98568158 31.4509541,6.87821707 Z" id="Path" fill="url(#radialGradient-1)"/> </symbol> <symbol id="icon-magnify" viewBox="0 0 512 512"> <g> <path d="M337.509,305.372h-17.501l-6.571-5.486c20.791-25.232,33.922-57.054,33.922-93.257 C347.358,127.632,283.896,64,205.135,64C127.452,64,64,127.632,64,206.629s63.452,142.628,142.225,142.628 c35.011,0,67.831-13.167,92.991-34.008l6.561,5.487v17.551L415.18,448L448,415.086L337.509,305.372z M206.225,305.372 c-54.702,0-98.463-43.887-98.463-98.743c0-54.858,43.761-98.742,98.463-98.742c54.7,0,98.462,43.884,98.462,98.742 C304.687,261.485,260.925,305.372,206.225,305.372z"></path> </g> </symbol> <symbol id="mono-icon-arrow-right" viewBox="0 0 24 24"> <g> <path d="M12.2929 5.29289C12.6834 4.90237 13.3166 4.90237 13.7071 5.29289L19.7071 11.2929C19.8946 11.4804 20 11.7348 20 12C20 12.2652 19.8946 12.5196 19.7071 12.7071L13.7071 18.7071C13.3166 19.0976 12.6834 19.0976 12.2929 18.7071C11.9024 18.3166 11.9024 17.6834 12.2929 17.2929L16.5858 13L5 13C4.44772 13 4 12.5523 4 12C4 11.4477 4.44772 11 5 11L16.5858 11L12.2929 6.70711C11.9024 6.31658 11.9024 5.68342 12.2929 5.29289Z"/> </g> </symbol> <symbol id="burger-menu" viewBox="0 0 14 10"> <g> <path fill-rule="evenodd" d="M0 5.5v-1h14v1H0zM0 1V0h14v1H0zm0 9V9h14v1H0z"></path> </g> </symbol> <symbol id="close-x" viewBox="0 0 14 14"> <g> <path fill-rule="nonzero" d="M6.336 7L0 .664.664 0 7 6.336 13.336 0 14 .664 7.664 7 14 13.336l-.664.664L7 7.664.664 14 0 13.336 6.336 7z"> </path> </g> </symbol>
125 <symbol id="share-more-arrow" viewBox="0 0 2 10" style="enable-background:new 0 0 2 10;"> <g> <g> <path class="st0" d="M0,10h2V8H0V10z M0,6h2V4H0V6z M0,2h2V0H0V2z"/> </g> </g> </symbol> <symbol id="chevron" viewBox="0 0 100 100"> <g> <path d="M22.4566257,37.2056786 L-21.4456527,71.9511488 C-22.9248661,72.9681457 -24.9073712,72.5311671 -25.8758148,70.9765924 L-26.9788683,69.2027424 C-27.9450684,67.6481676 -27.5292733,65.5646602 -26.0500598,64.5484493 L20.154796,28.2208967 C21.5532435,27.2597011 23.3600078,27.2597011 24.759951,28.2208967 L71.0500598,64.4659264 C72.5292733,65.4829232 72.9450684,67.5672166 71.9788683,69.1217913 L70.8750669,70.8956413 C69.9073712,72.4502161 67.9241183,72.8848368 66.4449048,71.8694118 L22.4566257,37.2056786 Z" id="Transparent-Chevron" transform="translate(22.500000, 50.000000) rotate(90.000000) translate(-22.500000, -50.000000) "></path> </g> </symbol> <symbol id="icon-checkmark-small" viewBox="0 0 55 43"> <g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <polygon id="Path" fill="#FFFFFF" points="0.515858968 25.0138957 5.11365509 20.4160995 17.5962448 32.8986893 50.1518809 0.343053182 54.9947739 5.18594615 17.5962448 42.5844752"></polygon> </g> </symbol> <symbol id="icon-refresh" viewBox="0 0 32 32"> <g stroke="none" fill="#000000" fill-rule="evenodd"> <path d="M24.9,19.6c-1.4,3.7-5,6.3-9.2,6.3c-5.5,0-9.9-4.4-9.9-9.9s4.4-9.9,9.9-9.9c3.2,0,6.1,1.5,7.9,3.9h-3.9v2h7V5h-2v3 c-2.2-2.5-5.4-4-9-4C9,3.9,3.6,9.3,3.6,16S9,28.1,15.6,28.1c5.1,0,9.5-3.2,11.2-7.7L24.9,19.6z"/> </g> </symbol>
125 <symbol id="play-arrow" viewBox="0 0 30 30"> <g fill="none" fill-rule="evenodd"> <path d="M9 9l12 6-12 6z"></path> </g> </symbol> <symbol id="bookmark" viewBox="0 0 9 12"> <g> <path fill="none" fill-rule="evenodd" d="M.5.5v10.997l3.431-2.374a1 1 0 0 1 1.138 0L8.5 11.497V.5h-8z"> </path> </g> </symbol> <symbol id="share-alt" viewBox="0 0 448 512"> <g> <path d="M352 320c-28.6 0-54.2 12.5-71.8 32.3l-95.5-59.7c9.6-23.4 9.7-49.8 0-73.2l95.5-59.7c17.6 19.8 43.2 32.3 71.8 32.3 53 0 96-43 96-96S405 0 352 0s-96 43-96 96c0 13 2.6 25.3 7.2 36.6l-95.5 59.7C150.2 172.5 124.6 160 96 160c-53 0-96 43-96 96s43 96 96 96c28.6 0 54.2-12.5 71.8-32.3l95.5 59.7c-4.7 11.3-7.2 23.6-7.2 36.6 0 53 43 96 96 96s96-43 96-96c-.1-53-43.1-96-96.1-96zm0-288c35.3 0 64 28.7 64 64s-28.7 64-64 64-64-28.7-64-64 28.7-64 64-64zM96 320c-35.3 0-64-28.7-64-64s28.7-64 64-64 64 28.7 64 64-28.7 64-64 64zm256 160c-35.3 0-64-28.7-64-64s28.7-64 64-64 64 28.7 64 64-28.7 64-64 64z"> </path> </g> </symbol> <symbol id="heart" viewBox="0 0 14 12"> <g> <path fill="none" fill-rule="evenodd" d="M10.24.5c-1.098 0-2.152.576-2.808 1.7L7 2.938l-.432-.74C5.912 1.076 4.858.5 3.76.5 1.996.5.5 1.899.5 3.859.5 5.2 1.644 6.912 3.57 8.747a27.774 27.774 0 0 0 3.373 2.738A.099.099 0 0 0 7 11.5a.104.104 0 0 0 .061-.018 27.75 27.75 0 0 0 3.368-2.735C12.356 6.912 13.5 5.201 13.5 3.859 13.5 1.899 12.003.5 10.24.5z"> </path> </g> </symbol> <symbol id="grid" viewBox="0 0 32 32"> <g> <path d="M6.4,5.7 C6.4,6.166669 6.166669,6.4 5.7,6.4 L0.7,6.4 C0.233331,6.4 0,6.166669 0,5.7 L0,0.7 C0,0.233331 0.233331,0 0.7,0 L5.7,0 C6.166669,0 6.4,0.233331 6.4,0.7 L6.4,5.7 Z M19.2,5.7 C19.2,6.166669 18.966669,6.4 18.5,6.4 L13.5,6.4 C13.033331,6.4 12.8,6.166669 12.8,5.7 L12.8,0.7 C12.8,0.233331 13.033331,0 13.5,0 L18.5,0 C18.966669,0 19.2,0.233331 19.2,0.7 L19.2,5.7 Z M32,5.7 C32,6.166669 31.766669,6.4 31.3,6.4 L26.3,6.4 C25.833331,6.4 25.6,6.166669 25.6,5.7 L25.6,0.7 C25.6,0.233331 25.833331,0 26.3,0 L31.3,0 C31.766669,0 32,0.233331 32,0.7 L32,5.7 Z M6.4,18.5 C6.4,18.966669 6.166669,19.2 5.7,19.2 L0.7,19.2 C0.233331,19.2 0,18.966669 0,18.5 L0,13.5 C0,13.033331 0.233331,12.8 0.7,12.8 L5.7,12.8 C6.166669,12.8 6.4,13.033331 6.4,13.5 L6.4,18.5 Z M19.2,18.5 C19.2,18.966669 18.966669,19.2 18.5,19.2 L13.5,19.2 C13.033331,19.2 12.8,18.966669 12.8,18.5 L12.8,13.5 C12.8,13.033331 13.033331,12.8 13.5,12.8 L18.5,12.8 C18.966669,12.8 19.2,13.033331 19.2,13.5 L19.2,18.5 Z M32,18.5 C32,18.966669 31.766669,19.2 31.3,19.2 L26.3,19.2 C25.833331,19.2 25.6,18.966669 25.6,18.5 L25.6,13.5 C25.6,13.033331 25.833331,12.8 26.3,12.8 L31.3,12.8 C31.766669,12.8 32,13.033331 32,13.5 L32,18.5 Z M6.4,31.3 C6.4,31.766669 6.166669,32 5.7,32 L0.7,32 C0.233331,32 0,31.766669 0,31.3 L0,26.3 C0,25.833331 0.233331,25.6 0.7,25.6 L5.7,25.6 C6.166669,25.6 6.4,25.833331 6.4,26.3 L6.4,31.3 Z M19.2,31.3 C19.2,31.766669 18.966669,32 18.5,32 L13.5,32 C13.033331,32 12.8,31.766669 12.8,31.3 L12.8,26.3 C12.8,25.833331 13.033331,25.6 13.5,25.6 L18.5,25.6 C18.966669,25.6 19.2,25.833331 19.2,26.3 L19.2,31.3 Z M32,31.3 C32,31.766669 31.766669,32 31.3,32 L26.3,32 C25.833331,32 25.6,31.766669 25.6,31.3 L25.6,26.3 C25.6,25.833331 25.833331,25.6 26.3,25.6 L31.3,25.6 C31.766669,25.6 32,25.833331 32,26.3 L32,31.3 Z" id="ï¿"></path> </g> </symbol> <symbol id="filter" viewBox="0 0 16 12"> <path d="M0 2V0h16v2H0zm2.4 5V5h11.2v2H2.4zm2.4 5v-2h6.4v2H4.8z"></path> </symbol> <symbol id="arrow-right" viewBox="0 0 448 512"> <g> <path d="M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z"> </path> </g> </symbol> <symbol id="plus" viewBox="0 0 448 512"> <g> <path d="M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z"> </path> </g> </symbol> <symbol id="minus" viewBox="0 0 448 512"> <g> <path d="M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z"> </path> </g> </symbol> <symbol id="mono-icon-author" viewBox="-2 0 16 16"> <title>Author</title> <g xmlns="http://www.w3.org/2000/svg" id="latest_mocks_052021" stroke="none" stroke-width="1" fill-rule="evenodd"> <path d="M8.81407895,2.85726316 C8.81407895,4.43542105 7.51539474,5.71436842 5.91592105,5.71436842 C4.31486842,5.71436842 3.01697368,4.43542105 3.0177628,2.85726316 C3.0177628,1.27910526 4.3
1251565789,0.000157894737 5.91592105,0.000157894737 C7.51618421,0.000157894737 8.81407895,1.27910526 8.81407895,2.85726316 L8.81407895,2.85726316 Z M11.8417105,14.9575263 L11.8425,11.4372632 C11.8425,9.207 9.99197368,7.38252632 7.73013158,7.38252632 L4.11197368,7.38252632 C1.85092105,7.38252632 0.000394736842,9.20621053 0.000394736842,11.4364737 L-0.000394736842,14.9567368 L11.8417105,14.9575263 Z" id="Fill-1"/> </g> </symbol> <symbol id="preview-icon" width="24" height="24" viewBox="0 0 24 24"> <path d="M12.06,8.91A5.29,5.29,0,0,1,16.9,12,5.61,5.61,0,0,1,12,15.09,5.52,5.52,0,0,1,7.1,12,5.37,5.37,0,0,1,12,8.91h.07m0-1H12A6.46,6.46,0,0,0,6,12a6.69,6.69,0,0,0,6,4.09A6.77,6.77,0,0,0,18,12a6.4,6.4,0,0,0-5.94-4.09Z" fill="#1969A0"/><circle cx="12" cy="12" r="1.71" fill="#1969A0"/> <path d="M9,21H6a3,3,0,0,1-3-3V15" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M21,15v3a3,3,0,0,1-3,3H15" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M15,3h3a3,3,0,0,1,3,3V9" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M3,9V6A3,3,0,0,1,6,3H9" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <rect width="24" height="24" fill="none"/> </symbol> <symbol id="toggle-on" viewBox="0 0 54 31"> <defs> <circle id="path-1" cx="39" cy="15" r="12"></circle> <filter x="-16.7%" y="-8.3%" width="133.3%" height="133.3%" filterUnits="objectBoundingBox" id="filter-2"> <feOffset dx="0" dy="2" in="SourceAlpha" result="shadowOffsetOuter1"></feOffset> <feGaussianBlur stdDeviation="1" in="shadowOffsetOuter1" result="shadowBlurOuter1"></feGaussianBlur> <feColorMatrix values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.3 0" type="matrix" in="shadowBlurOuter1"></feColorMatrix> </filter> </defs> <g id="Pref-Center-Newsletters-for-Build_Q1-2023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="02a_Desktop-HD_Newsletter_selection_v5_ALT" transform="translate(-1266.000000, -1812.000000)"> <g id="02_ediitorial-newsletters" transform="translate(100.000000, 1164.000000)"> <g id="nl_card_08" transform="translate(960.000000, 414.000000)"> <g id="toggle_on" transform="translate(206.000000, 234.000000)"> <rect id="Rectangle-50-Copy-14" stroke="#1969A0" fill="#1969A0" x="0.5" y="0.5" width="53" height="29" rx="14.5"></rect> <g> <use fill="black" fill-opacity="1" filter="url(#filter-2)" xlink:href="#path-1"></use> <use fill="#FFFFFF" fill-rule="evenodd" xlink:href="#path-1"></use> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="toggle-off" viewBox="0 0 54 31"> <defs> <circle id="path-1" cx="15" cy="15" r="12"></circle> <filter x="-16.7%" y="-8.3%" width="133.3%" height="133.3%" filterUnits="objectBoundingBox" id="filter-2"> <feOffset dx="0" dy="2" in="SourceAlpha" result="shadowOffsetOuter1"></feOffset> <feGaussianBlur stdDeviation="1" in="shadowOffsetOuter1" result="shadowBlurOuter1"></feGaussianBlur> <feColorMatrix values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.3 0" type="matrix" in="shadowBlurOuter1"></feColorMatrix> </filter> </defs>
125 <g id="PC_Updates_033023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Desktop-HD_Newsletter_management_for_FINAL-copy-edits" transform="translate(-306.000000, -3530.000000)"> <g id="community_section" transform="translate(99.000000, 2758.000000)"> <g id="com_card_05" transform="translate(1.000000, 538.000000)"> <g id="toggle_off" transform="translate(206.000000, 234.000000)"> <rect id="Rectangle-50-Copy-14" stroke="#D8D8D8" fill="#D8D8D8" x="0.5" y="0.5" width="53" height="29" rx="14.5"></rect> <g> <use fill="black" fill-opacity="1" filter="url(#filter-2)" xlink:href="#path-1"></use> <use fill="#FFFFFF" fill-rule="evenodd" xlink:href="#path-1"></use> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_window_close_x" viewBox="0 0 14 14"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-923, -767)" fill="#666666" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <polygon id="close_x_icon" points="337 27.41 335.59 26 330 31.59 324.41 26 323 27.41 328.59 33 323 38.59 324.41 40 330 34.41 335.59 40 337 38.59 331.41 33"></polygon> </g> </g> </g> </g> </symbol> <symbol id="icon_topic_filter_default" viewBox="0 0 14 10"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-929, -716)" fill="#666666" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="btn_filter" transform="translate(759, 0)"> <g id="filter_list_FILL0_wght400_GRAD0_opsz48" transform="translate(70, 13)"> <path d="M5.44444444,9.33333333 L5.44444444,8.16666667 L8.55555556,8.16666667 L8.55555556,9.33333333 L5.44444444,9.33333333 Z M2.33333333,5.25 L2.33333333,4.08333333 L11.6666667,4.08333333 L11.6666667,5.25 L2.33333333,5.25 Z M0,1.16666667 L0,0 L14,0 L14,1.16666667 L0,1.16666667 Z" id="Shape"></path> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_topic_filter_selected" viewBox="0 0 14 10"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-929, -716)" fill="#C0C0C0" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g transform="translate(759, 0)" id="btn_filter-selected"> <g id="filter_list_FILL0_wght400_GRAD0_opsz48" transform="translate(70, 13)"> <path d="M5.44444444,9.33333333 L5.44444444,8.16666667 L8.55555556,8.16666667 L8.55555556,9.33333333 L5.44444444,9.33333333 Z M2.33333333,5.25 L2.33333333,4.08333333 L11.6666667,4.08333333 L11.6666667,5.25 L2.33333333,5.25 Z M0,1.16666667 L0,0 L14,0 L14,1.16666667 L0,1.16666667 Z" id="Shape"></path> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_filter_selected_checked" viewBox="0 0 20 20"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-623, -825)"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <g id="Group-4" transform="translate(24, 85)"> <rect id="Rectangle" stroke="#333333" fill="#333333" x="0" y="0" width="18" height="18"></rect> <g id="checkmark" transform="translate(4, 5)" fill="#FFFFFF" stroke="#FFFFFF"> <polygon id="icon-checkmark" points="9.20384615 0 3.18461538 6.08038462 0.796153846 3.67307692 0 4.47692308 3.17692308 7.69230769 10 0.803846154"></polygon> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_filter_unselected_unchecked" viewBox="0 0 20 20"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-623, -859)" fill="#FFFFFF" stroke="#666666"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <g id="filter-row-copy" transform="translate(24, 119)"> <rect id="Rectangle" x="0" y="0" width="18" height="18"></rect> </g> </g> </g> </g> </g> </symbol>
125 <symbol id="icon_angle_down" viewBox="0 0 448 512"> <path d="M201.4 374.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 306.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z"/> </symbol> <symbol id="icon_grid" viewBox="0 0 512 512"> <path d="M80 80l0 96 96 0 0-96L80 80zM32 32l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48zM80 336l0 96 96 0 0-96-96 0zM32 288l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48zM432 80l-96 0 0 96 96 0 0-96zM336 32l96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48 48 0zm0 304l0 96 96 0 0-96-96 0zm-48-48l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48z"/> </symbol> <symbol id="icon_close_strong" viewBox="0 0 384 512"> <path d="M342.6 150.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L192 210.7 86.6 105.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L146.7 256 41.4 361.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0L192 301.3 297.4 406.6c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L237.3 256 342.6 150.6z"/> </symbol> <symbol id="icon_caret" viewBox="0 0 448 512"> <path d="M201.4 374.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 306.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z"/> </symbol> <symbol id="icon_chevron" viewBox="0 0 320 512"> <path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z"/> </symbol> <symbol id="icon_bullet" viewBox="0 0 8 8"> <circle cx="4" cy="4" r="4"/> </symbol> <symbol id="icon_alarm_clock" viewBox="0 0 28 28"> <path d="M4.27314 9.22796C3.53751 6.94375 4.31186 4.34482 6.30578 2.93369C8.2997 1.52256 10.8937 1.75607 12.6263 3.32963C13.1684 3.82708 13.1103 4.73059 12.5198 5.14682L5.91862 9.8066C5.31851 10.2228 4.50544 9.9386 4.27314 9.22796Z"/> <path d="M16 11C16.5523 11 17 11.4477 17 12V16.4648L19.5547 18.1679C20.0142 18.4743 20.1384 19.0952 19.832 19.5547C19.5257 20.0142 18.9048 20.1384 18.4453 19.832L15.4453 17.832C15.1516 17.6362 14.9949 17.3119 15 16.9834V12C15 11.4477 15.4477 11 16 11Z"/> <path d="M23.2066 24.5794C25.5243 22.6534 27 19.749 27 16.5C27 10.701 22.299 6 16.5 6C10.701 6 6 10.701 6 16.5C6 19.5106 7.26706 22.2253 9.297 24.1399L6.71138 26.3767C5.31666 27.5881 6.10934 30 7.90542 30H24.0901C25.8862 30 26.6889 27.5881 25.2842 26.3767L23.2066 24.5794ZM16.5 24C12.3579 24 9 20.6422 9 16.5C9 12.3579 12.3579 9 16.5 9C20.6421 9 24 12.3579 24 16.5C24 20.6422 20.6421 24 16.5 24Z"/> <path d="M26.6942 2.93369C28.6882 4.34482 29.4625 6.94375 28.7269 9.22796C28.4946 9.9386 27.6815 10.2228 27.0814 9.8066L20.4802 5.14682C19.8897 4.73059 19.8316 3.82708 20.3737 3.32963C22.1063 1.75607 24.7003 1.52256 26.6942 2.93369Z"/> </symbol> <symbol id="icon_quote" viewBox="0 0 54 40"> <path d="M0 39.6V19.1527L10.2913 0H20.3055L14.5707 17.2792H22.0546V39.6H0ZM31.9454 39.6V19.1527L42.2366 0H52.1273L46.516 17.2792H54V39.6H31.9454Z"/> </symbol> <symbol id="icon_lock" viewBox="0 0 24 24"> <path d="M5.66675 22C5.20842 22 4.816 21.8368 4.4895 21.5105C4.16317 21.184 4 20.7916 4 20.3333V9.76675C4 9.30842 4.16317 8.916 4.4895 8.5895C4.816 8.26317 5.20842 8.1 5.66675 8.1H7.16675V5.83325C7.16675 4.49608 7.63817 3.35625 8.581 2.41375C9.52383 1.47125 10.6641 1 12.0017 1C13.3394 1 14.4791 1.47125 15.4208 2.41375C16.3624 3.35625 16.8333 4.49608 16.8333 5.83325V8.1H18.3333C18.7916 8.1 19.184 8.26317 19.5105 8.5895C19.8368 8.916 20 9.30842 20 9.76675V20.3333C20 20.7916 19.8368 21.184 19.5105 21.5105C19.184 21.8368 18.7916 22 18.3333 22H5.66675ZM5.66675 20.3333H18.3333V9.76675H5.66675V20.3333ZM12.0027 17C12.5398 17 12.9986 16.8123 13.3792 16.437C13.7597 16.0617 13.95 15.6104 13.95 15.0832C13.95 14.5666 13.7587 14.1069 13.3763 13.7043C12.9939 13.3014 12.5343 13.1 11.9973 13.1C11.4603 13.1 11.0014 13.3014 10.6207 13.7043C10.2402 14.1069 10.05 14.5694 10.05 15.0918C10.05 15.6139 10.2413 16.
1250625 10.6238 16.4375C11.0061 16.8125 11.4657 17 12.0027 17ZM8.83325 8.1H15.1667V5.83325C15.1667 4.95375 14.8591 4.20608 14.2438 3.59025C13.6283 2.97458 12.881 2.66675 12.002 2.66675C11.1228 2.66675 10.3749 2.97458 9.75825 3.59025C9.14158 4.20608 8.83325 4.95375 8.83325 5.83325V8.1Z" fill="#121212"/> </symbol> <symbol id="mono-icon-whatsapp-header" viewBox="0 0 33 33"> <path d="M22.88,10.13c-1.69-1.69-3.94-2.63-6.34-2.63-4.94,0-8.96,4.02-8.96,8.96,0,1.58.41,3.12,1.2,4.48l-1.27,4.64,4.75-1.25c1.31.71,2.78,1.09,4.28,1.09h0c4.94,0,8.96-4.02,8.96-8.96,0-2.39-.93-4.65-2.62-6.34h0ZM16.54,23.92h0c-1.34,0-2.65-.36-3.79-1.04l-.27-.16-2.82.74.75-2.75-.18-.28c-.75-1.19-1.14-2.56-1.14-3.96,0-4.11,3.34-7.45,7.45-7.45,1.99,0,3.86.78,5.27,2.18,1.41,1.41,2.18,3.28,2.18,5.27,0,4.11-3.34,7.45-7.45,7.45h0ZM20.62,18.34c-.22-.11-1.32-.65-1.53-.73-.21-.07-.35-.11-.5.11-.15.22-.58.73-.71.88-.13.15-.26.17-.49.06-.22-.11-.95-.35-1.8-1.11-.67-.59-1.12-1.33-1.25-1.55-.13-.22-.01-.35.1-.46.1-.1.22-.26.34-.39.11-.13.15-.22.22-.37.07-.15.04-.28-.02-.39-.06-.11-.5-1.21-.69-1.66-.18-.44-.37-.38-.5-.38-.13,0-.28,0-.43,0s-.39.06-.6.28c-.21.22-.78.77-.78,1.87s.8,2.17.91,2.32c.11.15,1.58,2.41,3.83,3.38.53.23.95.37,1.28.47.54.17,1.02.15,1.41.09.43-.06,1.32-.54,1.51-1.06.19-.52.19-.97.13-1.06-.06-.09-.21-.15-.43-.26h0Z" fill-rule="evenodd"/> </symbol> <symbol id="mono-icon-youtube-header" viewBox="0 0 33 34"> <path d="M28,11.64c-.28-1.04-1.09-1.86-2.12-2.14-1.87-.5-9.38-.5-9.38-.5,0,0-7.51,0-9.38.5-1.03.28-1.85,1.1-2.12,2.14-.5,1.88-.5,5.81-.5,5.81,0,0,0,3.93.5,5.81.28,1.04,1.09,1.86,2.12,2.14,1.87.5,9.38.5,9.38.5,0,0,7.51,0,9.38-.5,1.03-.28,1.85-1.1,2.12-2.14.5-1.88.5-5.81.5-5.81,0,0,0-3.93-.5-5.81Z"/> <polygon points="14.05 21.02 20.32 17.45 14.05 13.89 14.05 21.02" fill="#fff"/> </symbol> <symbol id="mono-icon-twitter-header" viewBox="0,0,255.99538,255.99538"> <g fill-rule="nonzero" stroke="none" stroke-width="1" stroke-linecap="butt" stroke-linejoin="miter" stroke-miterlimit="10" stroke-dasharray="" stroke-dashoffset="0" font-family="none" font-weight="none" font-size="none" text-anchor="none" style="mix-blend-mode: normal"> <g transform="scale(10.66667,10.66667)"> <path d="M2.36719,3l7.0957,10.14063l-6.72266,7.85938h2.64063l5.26367,-6.16992l4.31641,6.16992h6.91016l-7.42187,-10.625l6.29102,-7.375h-2.59961l-4.86914,5.6875l-3.97266,-5.6875zM6.20703,5h2.04883l9.77734,14h-2.03125z"></path> </g> </g> </symbol> <symbol id="mono-icon-linkedin-header" viewBox="0 0 16 17"> <g fill-rule="evenodd"> <path d="M3.734 16.125H.464V5.613h3.27zM2.117 4.172c-.515 0-.96-.188-1.336-.563A1.825 1.825 0 0 1 .22 2.273c0-.515.187-.96.562-1.335.375-.375.82-.563 1.336-.563.516 0 .961.188 1.336.563.375.375.563.82.563 1.335 0 .516-.188.961-.563 1.336-.375.375-.82.563-1.336.563zM15.969 16.125h-3.27v-5.133c0-.844-.07-1.453-.21-1.828-.259-.633-.762-.95-1.512-.95s-1.278.282-1.582.845c-.235.421-.352 1.043-.352 1.863v5.203H5.809V5.613h3.128v1.442h.036c.234-.469.609-.856 1.125-1.16.562-.375 1.218-.563 1.968-.563 1.524 0 2.59.48 3.2 1.441.468.774.703 1.97.703 3.586v5.766z"></path> </g> </symbol> <symbol id="mono-icon-facebook-header" viewBox="0 0 10 19"> <path fill-rule="evenodd" d="M2.707 18.25V10.2H0V7h2.707V4.469c0-1.336.375-2.373 1.125-3.112C4.582.62 5.578.25 6.82.25c1.008 0 1.828.047 2.461.14v2.848H7.594c-.633 0-1.067.14-1.301.422-.188.235-.281.61-.281 1.125V7H9l-.422 3.2H6.012v8.05H2.707z"></path> </symbol> </svg> <ps-header class="Page-header-wrapper"> <div class="Page-header"> <div class="Page-header-hamburger-menu"> <div class="Page-header-hamburger-menu-wrapper"> <div class="Page-header-hamburger-menu-content"> <nav class="NavigationButtons" data-fragment-uri="/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure?_fragmentId=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentParent=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentSignature=7b80a8fba2aa83b1cc12495d7bbd55f38a63cc94&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbnRVcmkiXQ%3D%3D" data-nav data-nav-type="buttons" data-visible="false" data-user-state="anonymous"> <div class="NavigationButtons-buttons" data-has-piano-id-button="true"> <div class="NavigationButtons-buttons-button"> <a class="NavigationLink" href="https://www.americanbanker.com/subscribe" target="_self">Subscribe</a> </div> <div class="NavigationButtons-buttons-button"> <ps-piano class="NavigationLink" button-type="login">Log In</ps-piano> </div> </div> </nav> <nav class="Navigation" data-nav data-nav-type="default"> <ul class="Navigation-items"> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-uk0z5" id="NavigationItem-uk0z5"> <div class="NavigationItem-text"> <label for="NavigationItem-uk0z5"><span>Banking</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-uk0z5"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small Business</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://asreport.americanbanker.com/" target="_blank">Asset Securitization</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small Business</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://asreport.americanbanker.com/" target="_blank">Asset Securitization</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-2v67a" id="NavigationItem-2v67a"> <div class="NavigationItem-text"> <label for="NavigationItem-2v67a"><span>Policy & Risk</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-2v67a"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & Policy</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk">Risk & Compliance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & Policy</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk">Risk & Compliance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-420vf" id="NavigationItem-420vf"> <div class="NavigationItem-text"> <label for="NavigationItem-420vf"><span>Tech</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-420vf"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence">Payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai">AI Intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber Security</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence">Payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai">AI Intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber Security</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-js93i" id="NavigationItem-js93i"> <div class="NavigationItem-text"> <label for="NavigationItem-js93i"><span>Mortgage</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-js93i"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#originations" target="_self">Originations</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#servicing" target="_self">Servicing</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#secondary" target="_self">Secondary Markets</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#resources" target="_self">Resources</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#originations" target="_self">Originations</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#servicing" target="_self">Servicing</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#secondary" target="_self">Secondary Markets</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#resources" target="_self">Resources</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-8fu7x" id="NavigationItem-8fu7x"> <div class="NavigationItem-text"> <label for="NavigationItem-8fu7x"><span>Wealth</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-8fu7x"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#practice" target="_self">Practice and Client Management</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#advisor" target="_self">Advisor Intel</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#spotlight" target="_self">Spotlight</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#resources" target="_self">Resources</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#practice" target="_self">Practice and Client Management</a></li> <li class="Naviga
125tionItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#advisor" target="_self">Advisor Intel</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#spotlight" target="_self">Spotlight</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#resources" target="_self">Resources</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-328og" id="NavigationItem-328og"> <div class="NavigationItem-text"> <label for="NavigationItem-328og"><span>Credit Unions</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-328og"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/lending" target="_self">Lending</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/technology" target="_self">Technology</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/resources" target="_self">Resources</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Latest News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/lending" target="_self">Lending</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/technology" target="_self">Technology</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/resources" target="_self">Resources</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-790ha" id="NavigationItem-790ha"> <div class="NavigationItem-text"> <label for="NavigationItem-790ha"><span>Expert Opinion</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-790ha"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai#insights" target="_self">Artifical Intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence#insights">Payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk#insights" target="_self">Risk</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/on-chain-finance">On-Chain Finance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/politics-and-policy#insights" target="_self">Policy</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai#insights" target="_self">Artifical Intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence#insights">Payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk#insights" target="_self">Risk</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/on-chain-finance">On-Chain Finance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/politics-and-policy#insights" target="_self">Policy</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-ndsct" id="NavigationItem-ndsct"> <div class="NavigationItem-text"> <label for="NavigationItem-ndsct"><span>Events</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-ndsct"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://on-chain.americanbanker.com/executive-summit/?_gl=1*cm5ett*_gcl_au*MTYwOTg3NDA5MC4xNzYzNDAyNzg4" target="_blank">ON-CHAIN Executive Summit</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://payments-forum.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Payments Forum</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://digital-banking.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Digital Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://small-business-banking.americanbanker.com/" target="_blank">Small Business Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://the-most-powerful-women-in-banking.americanbanker.com/conference/" target="_self">Women in Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://virtual-summits.americanbanker.com/" target="_blank">Virtual Summits</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/event-archives" target="_self">All Events</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://on-chain.americanbanker.com/executive-summit/?_gl=1*cm5ett*_gcl_au*MTYwOTg3NDA5MC4xNzYzNDAyNzg4" target="_blank">ON-CHAIN Executive Summit</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://payments-forum.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Payments Forum</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://digital-banking.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Digital Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://small-business-banking.americanbanker.com/" target="_blank">Small Business Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://the-most-powerful-women-in-banking.americanbanker.com/conference/" target="_self">Women in Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://virtual-summits.americanbanker.com/" target="_blank">Virtual Summits</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/event-archives" target="_self">All Events</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <div class="NavigationItem-text"> <a class="NavigationItem-text-link" href="https://www.americanbanker.com/leaders" target="_self">LEADERS</a> </div> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-cmq3f" id="NavigationItem-cmq3f"> <div class="NavigationItem-text"> <label for="NavigationItem-cmq3f"><span>Resources</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-cmq3f"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/resources" target="_self">Webinars & Whitepapers</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tech-exchange" target="_self">
125Tech Exchange</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/press-releases" target="_self">Press Releases</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/resources" target="_self">Webinars & Whitepapers</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tech-exchange" target="_self">Tech Exchange</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/press-releases" target="_self">Press Releases</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-x3nbv" id="NavigationItem-x3nbv"> <div class="NavigationItem-text"> <label for="NavigationItem-x3nbv"><span>Awards</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-x3nbv"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/women-in-banking">The Most Powerful Women in Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-banks-to-work-for">The Best Banks to Work For</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-credit-unions-to-work-for">The Best Credit Unions to Work For</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/innovation-of-the-year">The Innovation of the Year</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/the-most-innovative-people-in-finance">The Most Innovative People in Finance</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/women-in-banking">The Most Powerful Women in Banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-banks-to-work-for">The Best Banks to Work For</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-credit-unions-to-work-for">The Best Credit Unions to Work For</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/innovation-of-the-year">The Innovation of the Year</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/the-most-innovative-people-in-finance">The Most Innovative People in Finance</a></li> </ul> </div></li> </ul> </nav> <div class="SocialBarHeader"> <table> <tbody> <tr> <td> <label class="SocialBarHeader-text">Follow Us</label> </td> <td> <ul class="SocialBarHeader-items"> <li class="SocialBarHeader-items-item" data-social-service="linkedin"><a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/company/american-banker/" target="_blank" data-social-service="linkedin"> <svg><use xlink:href="#mono-icon-linkedin-header"></use></svg> <span class="sr-only">linkedin</span> </a></li> <li class="SocialBarHeader-items-item" data-social-service="facebook"><a class="SocialLink" rel="noreferrer" href="https://www.facebook.com/AmericanBanker" target="_blank" data-social-service="facebook"> <svg><use xlink:href="#mono-icon-facebook-header"></use></svg> <span class="sr-only">facebook</span> </a></li> <li class="SocialBarHeader-items-item" data-social-service="youtube"><a class="SocialLink" rel="noreferrer" href="https://www.youtube.com/c/americanbanker " target="_blank" data-social-service="youtube"> <svg><use xlink:href="#mono-icon-youtube-header"></use></svg> <span class="sr-only">youtube</span> </a></li> <li class="SocialBarHeader-items-item" data-social-service="twitter"><a class="SocialLink" rel="noreferrer" href="https://twitter.com/amerbanker" target="_blank" data-social-service="twitter"> <svg><use xlink:href="#mono-icon-twitter-header"></use></svg> <span class="sr-only">twitter</span> </a></li> <li class="SocialBarHeader-items-item" data-social-service="whatsapp"><a class="SocialLink" rel="noreferrer" href="https://www.whatsapp.com/channel/0029VbBGnEc0LKZ8obSpfn3r" target="_blank" data-social-service="whatsapp"> <svg><use xlink:href="#mono-icon-whatsapp-header"></use></svg> <span class="sr-only">whatsapp</span> </a></li> </ul> </td> </tr> </tbody> </table> </div> <div class="Page-header-disclaimer">© 2026 Arizent. All rights reserved.</div> </div> </div> </div> <div class="Page-header-top-bar"> <div class="Page-header-menu-trigger-wrapper"> <button class="Page-header-menu-trigger" aria-expanded="false" tabindex="1"> <svg class="burger-menu"> <use xlink:href="#burger-menu"></use> </svg> <svg class="close-x"> <use xlink:href="#close-x"></use> </svg> <span class="label">Sections</span> </button> </div> <div class="Page-header-top-bar-logo"><a aria-label="home page" href="https://www.americanbanker.com/" target="_self"> <picture><source width="350" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg"/><img class="Image" data-image-size="siteLogo" alt="" width="350" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg"></picture> </a></div> <div class="Page-header-buttons"> <div class="Page-header-navigation-buttons"> <nav class="NavigationButtons" data-fragment-uri="/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure?_fragmentId=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentParent=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentSignature=7b80a8fba2aa83b1cc12495d7bbd55f38a63cc94&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbn
125RVcmkiXQ%3D%3D" data-nav data-nav-type="buttons" data-visible="false" data-user-state="anonymous"> <div class="NavigationButtons-buttons" data-has-piano-id-button="true"> <div class="NavigationButtons-buttons-button"> <a class="NavigationLink" href="https://www.americanbanker.com/subscribe" target="_self">Subscribe</a> </div> <div class="NavigationButtons-buttons-button"> <ps-piano class="NavigationLink" button-type="login">Log In</ps-piano> </div> </div> </nav> </div> <div class="Page-header-search"> <button class="Page-header-search-button"> <svg class="icon-magnify"> <use xlink:href="#icon-magnify"></use> </svg> <span class="sr-only">Show Search</span> <svg class="close-x"> <use xlink:href="#close-x"></use> </svg> </button> </div> </div> </div> <div class="Page-header-search-overlay"> <form class="Page-header-search-form" action="https://www.americanbanker.com/search#nt=navsearch" novalidate="" autocomplete="off"> <label> <input placeholder="Find your interests..." type="text" class="Page-header-search-input" name="q" required="required"> <span class="sr-only">Search Query</span> <button type="submit" class="Page-header-search-submit"> <svg><use xlink:href="#icon-magnify"></use></svg> <span class="sr-only">Submit Search</span> </button> </label> </form> </div> <div class="Page-header-bottom-bar"> <div class="Page-header-bottom-bar-navigation"> <nav class="DropdownNavigation" data-fragment-uri="/opinion/banks-should-be-required-to-explain-the-reason-for-an-account-closure?_fragmentId=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentParent=0000019e-cc7e-d2e3-a39e-cf7edd8f0020&_fragmentSignature=7b80a8fba2aa83b1cc12495d7bbd55f38a63cc94&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbnRVcmkiXQ%3D%3D" data-nav data-nav-type="dropdown" data-user-state="anonymous" data-dropdown-alignment='align-left'> <ul class="DropdownNavigation-items"> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-2qm69" id="DropdownNavigationItem-2qm69" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-2qm69" data-has-content-id> <span>Banking</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-2qm69" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small Business</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://asreport.americanbanker.com/" target="_blank">Asset Securitization</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-b5q3z" id="DropdownNavigationItem-b5q3z" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-b5q3z" data-has-content-id> <span>Policy & Risk</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-b5q3z" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & Policy</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk">Risk & Compliance</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-869z6" id="DropdownNavigationItem-869z6" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-869z6" data-has-content-id> <span>Tech</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-869z6" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Latest News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence">Payments</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai">AI Intelligence</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber Security</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-4z7c4" id="DropdownNavigationItem-4z7c4" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-4z7c4" data-has-content-id> <span>Mortgage</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-4z7c4" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage">Latest News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#originations" target="_self">Originations</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#servicing" target="_self">Servicing</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#secondary" target="_self">Secondary Markets</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#opinion" target="_self">Opinion</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/mortgage#resources" target="_self">Resources</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-1xe78" id="DropdownNavigationItem-1xe78" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-1xe78" data-has-content-id> <span>Wealth</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-1xe78" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth">Latest News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#practice" target="_self">Practice and Client Management</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#opinion" target="_self">Opinion</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#advisor" target="_self">Advisor Intel</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#spotlight" target="_self">Spotlight</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/wealth#resources" target="_self">Resources</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-734b4" id="DropdownNavigationItem-734b4" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-734b4" data-has-content-id> <span>Credit Unions</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-734b4" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Latest News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/lending" target="_self">Lending</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/technology" target="_self">Technology</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/resources" target="_self">Resources</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-dnjv9" id="DropdownNavigationItem-dnjv9" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-dnjv9" data-has-content-id> <span>Expert Opinion</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-dnjv9" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ai#insights" target="_self">Artifical Intelligence</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments-intelligence#insights">Payments</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/risk#insights" target="_self">Risk</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/on-chain-finance">On-Chain Finance</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/politics-and-policy#insights" target="_self">Policy</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-pebr1" id="DropdownNavigationItem-pebr1" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-pebr1" data-has-content-id> <span>Events</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-pebr1" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://on-chain.americanbanker.com/executive-summit/?_gl=1*cm5ett*_gcl_au*MTYwOTg3NDA5MC4xNzYzNDAyNzg4" target="_blank">ON-CHAIN Executive Summit</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://payments-forum.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Payments Forum</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://digital-banking.americanbanker.com/?_gl=1*1x9hrdp*_gcl_au*MTMzNTU5Mjc3Mi4xNzYyOTYyNTkx" target="_blank">Digital Banking</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://small-business-banking.americanbanker.com/" target="_blank">Small Business Banking</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://the-most-powerful-women-in-banking.americanbanker.com/conference/" target="_self">Women in Banking</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://virtual-summits.americanbanker.com/" target="_blank">Virtual Summits</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/event-archives" target="_self">All Events</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <div class="DropdownNavigationItem-text"> <a class="DropdownNavigationItem-text-link" href="https://www.americanbanker.com/leaders" target="_self">LEADERS</a> </div> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-4ow70" id="DropdownNavigationItem-4ow70" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-4ow70" data-has-content-id> <span>Resources</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-4ow70" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/resources" target="_self">Webinars & Whitepapers</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tech-exchange" target="_self">
125Tech Exchange</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/press-releases" target="_self">Press Releases</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-ok743" id="DropdownNavigationItem-ok743" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-ok743" data-has-content-id> <span>Awards</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-ok743" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/women-in-banking">The Most Powerful Women in Banking</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-banks-to-work-for">The Best Banks to Work For</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/best-credit-unions-to-work-for">The Best Credit Unions to Work For</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/innovation-of-the-year">The Innovation of the Year</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/the-most-innovative-people-in-finance">The Most Innovative People in Finance</a></li> </ul> </div> </li> </ul> </nav> </div> </div> </div> <style>.IconTopicBarList[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items{justify-content:center}.IconTopicBarList.IconTopicBarList--scrolling[data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000"] .IconTopicBarList-items{justify-content:flex-start !important}</style> <ps-icon-topic-bar class="IconTopicBarList" data-simplebar data-simplebar-auto-hide="false" data-content-id="0000019d-3f16-d3af-a3ff-ffff88210000" data-list-type="Icon Topic Bar"> <ps-topic-bar-container-tracker> <div class="IconTopicBarList-items"> <div class="IconTopicBarList-items-item"> <div class="IconTopicBarListItem" data-no-media> <div class="IconTopicBarListItem-content"> <a href="" target=""> <div class="IconTopicBarListItem-image"></div> <div class="IconTopicBarListItem-title">Market Intelligence:</div> </a> </div> </div> </div> <div class="IconTopicBarList-items-item"> <div class="IconTopicBarListItem" data-content-type="external" data-no-media> <div class="IconTopicBarListItem-content"> <a href="https://www.americanbanker.com/ai-intelligence" target="_self"> <div class="IconTopicBarListItem-image"></div> <div class="IconTopicBarListItem-title">AI</div> </a> </div> </div> </div> <div class="IconTopicBarList-items-item"> <div class="IconTopicBarListItem" data-content-type="external" data-no-media> <div class="IconTopicBarListItem-content"> <a href="https://www.americanbanker.com/payments-intelligence" target="_self"> <div class="IconTopicBarListItem-image"></div> <div class="IconTopicBarListItem-title">Payments</div> </a> </div> </div> </div> <div class="IconTopicBarList-items-item"> <div class="IconTopicBarListItem" data-content-type="external" data-no-media> <div class="IconTopicBarListItem-content"> <a href="https://www.americanbanker.com/editorial-research" target="_self"> <div class="IconTopicBarListItem-image"></div> <div class="IconTopicBarListItem-title">Research</div> </a> </div> </div> </div> <div class="IconTopicBarList-items-item"> <div class="IconTopicBarListItem" data-no-media> <div class="IconTopicBarListItem-content"> <a href="" target=""> <div class="IconTopicBarListItem-image"></div> <div class="IconTopicBarListItem-title"></div> </a> </div> </div> </div> </div> </ps-topic-bar-container-tracker> </ps-icon-topic-bar> </ps-header> <div class="PageAbove ArticlePage-above"> <ps-piano class="piano-box-header" style="display:block"></ps-piano><ps-piano class="sticky_piano-box-header" style="display:block"></ps-piano> </div> <div id="scrollContainer" class="ArticlePage-content"> <ps-article-page class="ArticlePage-wrapper initial" data-content-type="OpinionArticle"> <main class="ArticlePage-main"> <div class="ArticlePage-main-content"> <article class="ArticlePage-mainContent"> <div class="ArticlePage-tags"> <div class="ArticlePage-tags-list"> <ps-link><a href="https://www.americanbanker.com/tag/regulation-and-compliance" class="Link" target="_self">Regulation and compliance</a></ps-link> </div> </div> <div class="ArticlePage-headline-prefix">BankThink</div> <h1 class="ArticlePage-headline"> Banks should be required to explain the reason for an account closure </h1> <div class="ArticlePage-contentInfo"> <div class="ArticlePage-byline"> <span class="ArticlePage-authors"> <span class="ArticlePage-authorBy">By</span> <span class="ArticlePage-authorName" id="AuthorSocials"> <a href="https://www.americanbanker.com/author/lissele-pratt" aria-label="Lissele Pratt">Lissele Pratt</a> </span> </span> </div> <div class="ArticlePage-date"> <div class="ArticlePage-dates"><div class="ArticlePage-datePublished"> Published September 23, 2026, 7:30 a.m. EDT </div> </div> <div class="ArticlePage-duration">5 Min Read</div> </div> </div> <div class="ArticlePage-articleContainer-wrapper"> <div class="ArticlePage-actions"> <ps-actionbar class="ActionBar"> <ul class="ActionBar-items"> <li class="ActionBar-items-item"><a class="ActionLink" href="https://www.facebook.com/dialog/share?app_id=4725977577498274&display=popup&href=https%3A%2F%2Fwww.americanbanker.com%2Fopinion%2Fbanks-should-be-required-to-explain-the-reason-for-an-account-closure" target="_blank" data-social-service="facebook"> <svg><use xlink:href="#mono-icon-facebook"></use></svg><span>Facebook</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.americanbanker.com%2Fopinion%2Fbanks-should-be-required-to-explain-the-reason-for-an-account-closure&text=Banks%20should%20be%20required%20to%20explain%20the%20reason%20for%20an%20account%20closure" target="_blank" data-social-service="twitter"> <svg><use xlink:href="#mono-icon-twitter"/></svg><span>Twitter</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.americanbanker.com%2Fopinion%2Fbanks-should-be-required-to-explain-the-reason-for-an-account-closure&mini=true&title=Banks%20should%20be%20required%20to%20explain%20the%20reason%20for%20an%20account%20closure&summary=U.S.%20regulators%20have%20made%20it%20clear%20that%20banks%20have%20the%20discretion%20to%20explain%20account%20closures%2C%20short%20of%20disclosing%20the%20existence%20of%20a%20suspicious%20activity%20report%20filing.%20They%20should%20make%20it%20mandatory.&source=American%20Banker" target="_blank" data-social-service="linkedin"> <svg><use xlink:href="#mono-icon-linkedin"></use></svg><span>LinkedIn</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="mailto:?body=Banks%20should%20be%20required%20to%20explain%20the%20reason%20for%20an%20account%20closure%0A%0Ahttps%3A%2F%2Fwww.americanbanker.com%2Fopinion%2Fbanks-should-be-required-to-explain-the-reason-for-an-account-closure%0A%0AU.S.%20regulators%20have%20made%20it%20clear%20that%20banks%20have%20the%20discretion%20to%20explain%20account%20closures%2C%20short%20of%20disclosing%20the%20existence%20of%20a%20suspicious%20activity%20report%20filing.%20They%20should%20make%20it%20mandatory." data-social-service="mailto"> <svg><use xlink:href="#mono-icon-email"/></svg><span>Email</span> </a></li> </ul> </ps-actionbar> </div> <div class="ArticlePage-lead"><figure class="Figure"> <div class="Flourish"><div class="flourish-embed flourish-chart" data-src="visualisation/29476725?1792826">
125<script src="https://public.flourish.studio/resources/embed.js"></script>
125<noscript><img src="https://public.flourish.studio/visualisation/29476725/thumbnail" width="100%" alt="chart visualization"></noscript></div></div> </figure></div> <div class="ArticlePage-articleContainer"> <div class="ArticlePage-articleBody"> <div class="RichTextArticleBody"><div class="RichTextArticleBody-body RichTextBody"><ul class="rte2-style-ul"><li><b>Key insight: </b>Banks have the discretion to explain account closures, short of disclosing the existence of a suspicious activity report, or SAR, filing. Regulators should make it mandatory.</li><li><b>Supporting data: </b>The debanking debate has started getting a lot more attention in the mainstream media as Capital One has had to justify in court why it closed hundreds of accounts tied to President Trump and his businesses back in 2021. </li><li><b>Forward look: </b>Banks should be required to give a specific reason when they close an account. They should never have to disclose that they filed a SAR, but should only be allowed to withhold the reason where giving it would genuinely tip off a live investigation.</li></ul><p>A crypto client came to me a few months ago, telling me that their bank account had been closed. They'd been<ps-link><a href="https://www.americanbanker.com/news/how-big-of-a-problem-is-debanking-no-one-knows-for-sure" class="Link" target="_blank"> <u>debanked</u></a></ps-link>, without any reason or explanation. Even when pressed, the bank informed them that they could not disclose what triggered the closure. Their account was just closed. </p><div class="inline-gate">Processing Content</div><p>I've seen this happen time and time again for years. Businesses deemed too high-risk. Accounts closed<ps-link><a href="https://www.americanbanker.com/opinion/trumps-order-on-debanking-has-put-banks-in-an-impossible-position" class="Link" target="_blank"> <u>with no explanation</u></a></ps-link> needed. </p><div id="googleAd14b46f0b-dd66-419b-abaa-f3c74536f1e2" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[970, 91], [970, 90], [970, 250], [728, 90], [320, 50], [300, 250]]" data-slot-adsizemap="[[[768, 0], [728, 90], [970, 250], [970, 90], [970, 91]], [[320, 0], [300, 250], [320, 50]]]" data-injected-for-mobile="true" data-position="collapsed_header1" data-paragraph-offset="2" data-for-type="Opinion Article" data-all-paragraph-count="27"> <span class="GoogleDfpAd-placeholder"></span> </div><p>More recently, the debanking debate has started getting a lot more attention in the mainstream media as Capital One has<ps-link><a href="https://www.americanbanker.com/news/judge-tosses-trumps-capital-one-debanking-suit-for-now" class="Link" target="_blank"> <u>spent months</u></a></ps-link> having to justify in court why it<ps-link><a href="https://www.nbcnews.com/business/business-news/trump-organization-sues-capital-one-bank-account-closures-jan-6-capito-rcna195313" class="Link" target="_blank"> <u>closed hundreds of accounts</u></a></ps-link> tied to President Trump and his businesses back in 2021. </p><p>The bank says it followed a legitimate internal AML review, conducted in line with its own policies. The Trump Organization, on the other hand, sees it very differently and says the AML explanation was a pretext, and that the real reason was political. Maggie Hassan, a Democratic senator for New Hampshire, now<ps-link><a href="https://www.reuters.com/legal/government/democratic-us-senator-asks-capital-one-details-trump-account-anti-money-2026-09-02/" class="Link" target="_blank"> <u>wants Capital One's underlying documents</u></a></ps-link>, to see exactly which account of events actually holds up.</p><div id="googleAdf27de858-3241-40d3-af8c-c8383eae9b30" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="false" data-position="video-in-article" data-paragraph-offset="4" data-for-type="Opinion Article" data-for-internal-name="Video Inline Articles" data-all-paragraph-count="27"> <span class="GoogleDfpAd-placeholder"></span> </div><p>It's absolutely not my place to referee or weigh in on that dispute. The part that I do find particularly interesting here is that a sitting senator is putting in writing the same question businesses have been asking for years.</p><p>That, to me, says quite a lot about how far this issue has come.</p><div class="Enhancement" data-type="polar"> <div class="Enhancement-item">
125<div id="googleAdc6355495-3441-4400-9ffe-26ad0c993212" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[1, 1]]" data-slot-adSizeMap="[[[320, 0], [1, 1]]]" data-position="native-in-article1"> <span class="GoogleDfpAd-placeholder"></span> </div></div> </div><p>On Sept. 2 of this year, a<ps-link><a href="https://www.fincen.gov/news/news-releases/fincen-agencies-issue-joint-statement-suspicious-activity-report-confidentiality" class="Link" target="_blank"> <u>joint statement</u></a></ps-link> was published and signed by five U.S. regulators (the Federal Reserve, the FDIC, the National Credit Union Administration, the OCC and Fincen) that gave us all some very much-needed clarity into this very issue. So, naturally, I read it very closely.</p><div id="googleAd0f032204-a25f-4a2f-9c21-d07dd57d8ed3" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-1" data-paragraph-offset="7" data-for-type="Opinion Article" data-for-internal-name="Asset Banner 1 " data-all-paragraph-count="27"> <span class="GoogleDfpAd-placeholder"></span> </div><p>It essentially clarifies that confidentiality doesn't actually stop banks from discussing the underlying facts behind an account closure. The confusion, it seems, has been around suspicious activity reports.</p><p>Suspicious activity report, or SAR, confidentiality protects the report's existence. It doesn't mean that a bank needs to be confidential on the underlying facts. </p><p>This means that a bank can, in fact, tell a customer that a closure is connected to a suspected fraud. They can also give them an explanation of what transaction or activity type flagged this suspicion. What it can't do is tell the customer that it filed a SAR.</p><p>That distinction is really important and, in my view, it's a genuinely positive step toward addressing one of the reasons behind the unnecessary debanking of legitimate businesses.</p><div id="googleAd01b9ae1e-f47a-40a7-97c7-121975134be8" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-2" data-paragraph-offset="11" data-for-type="Opinion Article" data-for-internal-name="Asset Banner 2" data-all-paragraph-count="27"> <span class="GoogleDfpAd-placeholder"></span> </div><p>Banks have said for years that they simply couldn't explain why an account had been closed due to confidentiality requirements. Now we have regulators making clear that the law doesn't necessarily prevent them from explaining the underlying facts.</p><p>That should make it much easier for banks to have a more useful conversation with their customers.</p><p><b>Read more:</b></p><ul class="rte2-style-ul" style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li><ps-link><a href="https://www.americanbanker.com/news/what-comes-next-for-banks-in-a-post-clarity-congress" class="Link" target="_blank">What comes next for banks in a post-CLARITY Congress</a></ps-link></li><li><ps-link><a href="https://www.americanbanker.com/news/after-fed-rate-hike-warsh-casts-rising-yields-as-sign-of-strength" class="Link" target="_blank">Warsh: Rising bond yields a sign of strong U.S. economy</a></ps-link></li><li><ps-link><a href="https://www.americanbanker.com/news/borrowing-from-federal-home-loan-banks-jumped-20-in-2q" class="Link" target="_blank">Borrowing from Federal Home Loan banks jumped 20% in 2Q</a></ps-link></li><li><ps-link><a href="https://www.americanbanker.com/news/state-bank-examiners-get-a-playbook-for-inspecting-ai" class="Link" target="_blank">State bank examiners get a playbook for inspecting AI</a></ps-link></li></ul><p>It's not, however, all good news. There's a caveat in the statement's wording. </p><p>Verbatim, it says that banks and credit unions should consider customer communication on a case-by-case basis. So, the bank can explain, but it still doesn't have to.</p><p>Compliance officers don't get praised for volunteering information freely. Their role is to ensure that no exposure is being created for the bank they work for. So given the choice to explain or stay quiet, it's extremely likely that they'll do the latter. </p><p>When I read the news, I was working from my office in London, where this argument has been settled very differently. And, I think, not much better.</p><p>Since April of this year, banks in Britain are now<ps-link><a href="https://www.legislation.gov.uk/ukdsi/2025/9780348271485" class="Link" target="_blank"> <u>required</u></a></ps-link>, not given the option, to give a business 90 days' notice and a specific reason before closing their bank account. Though this only applies to businesses that opened their account from April onwards, so it'll take a little bit of time before it covers the entire market. </p><p>That rule isn't at all absolute. In Reg 51C it stipulates that the notice and reasoning can be removed entirely if there's reasonable grounds to suspect the service has been, is being, or will be used in connection with serious crime. That's the scenario the American statement deals with, a bank that suspects something and is working out what it can say. </p><p>So, in Britain, the starting point is you must get a reason. But if the bank suspects serious crime, it can choose not to give you one. In America, the bank can give you a reason. It can explain the transactions and activity or other facts behind its decision. But it doesn't have to. </p><p>Put them side by side and what's missing becomes obvious. The American scope with the British default.</p><p>In my opinion, banks (both in the U.S. and U.K.) should be required to give a specific reason when they close an account. They should never have to disclose that they filed a SAR, because that stays confidential for good reason, but should only be allowed to withhold the reason where giving it would genuinely tip off a live investigation, not simply because it suspects something. </p><p>That means writing an obligation into rule rather than guidance, which isn't something any bank can do for itself.</p><p>In the meantime, banks should focus on what they can control and make explanation the default and silence the exception. </p><p>They can also benefit from keeping internal notes of this reasoning. Capital One's defense is that it followed its own policies. How well that holds up depends on what was recorded at the time.</p><p>The client I mentioned at the start of this article still doesn't know
125what happened to their merchant account. Under this new guidance their bank could tell them tomorrow, and give them the full explanation as to why. The only thing is, nothing in it says they have to.<br></p></div></div> </div> </div> <div class="ArticlePage-byline-bottom"> <div class="ArticlePage-byline-bottom-authors"> <div class="ArticlePage-byline-bottom-authorInfo"> <div class="ArticlePage-byline-bottom-authorInfo-image"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/f84e84e/2147483647/strip/true/crop/1920x1920+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg 1x,https://arizent.brightspotcdn.com/dims4/default/02bdfcc/2147483647/strip/true/crop/1920x1920+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/e23f878/2147483647/strip/true/crop/1920x1920+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg"/><img class="Image" data-image-size="headshotSmall" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/e23f878/2147483647/strip/true/crop/1920x1920+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg 1x,https://arizent.brightspotcdn.com/dims4/default/bd8e9cc/2147483647/strip/true/crop/1920x1920+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/e23f878/2147483647/strip/true/crop/1920x1920+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2b%2F04%2Fb59cb5984641ac3b3174a4c083d6%2Flissele-pratt.jpeg"></picture> </div> <div class="ArticlePage-byline-bottom-authorInfo-details"> <div class="ArticlePage-byline-bottom-authorInfo-bio-name"> <a href="https://www.americanbanker.com/author/lissele-pratt" aria-label="">Lissele Pratt</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-content"> <div class="ArticlePage-byline-bottom-authorInfo-title"> Co-founder, Capitalixe </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-text"> Lissele Pratt is co-founder of Capitalixe, a global payments and banking advisory firm. She was named to the Forbes 30 Under 30 Finance list in 2021. </div> </div> </div> </div> </div> </div> </div> </article> <div class="ActionBar-reprintDescription">For reprint and licensing requests for this article, <ps-link><a href="https://info.wrightsmedia.com/arizent-licensing-and-reprints" class="Link" target="_blank">click here</a></ps-link>. </div> <div class="ArticlePage-all-tags"> <ps-link><a href="https://www.americanbanker.com/tag/regulation-and-compliance" class="Link" target="_self">Regulation and compliance</a></ps-link> <ps-link><a href="https://www.americanbanker.com/tag/politics-and-policy" class="Link" target="_self">Politics and policy</a></ps-link> <ps-link><a href="https://www.americanbanker.com/aml" class="Link" target="_self">AML</a></ps-link> <ps-link><a href="https://www.americanbanker.com/organization/fdic" class="Link" target="_self">FDIC</a></ps-link> <ps-link><a href="https://www.americanbanker.com/organization/federal-reserve" class="Link" target="_self">Federal Reserve</a></ps-link> <ps-link><a href="https://www.americanbanker.com/organization/occ" class="Link" target="_self">OCC</a></ps-link> <ps-link><a href="https://www.americanbanker.com/organization/ncua" class="Link" target="_self">NCUA</a></ps-link> <ps-link><a href="https://www.americanbanker.com/organization/fincen" class="Link" target="_self">FinCEN</a></ps-link> </div> </div> </main> <aside class="ArticlePage-aside"> <aside class="ArticlePage-aside-content"> <div id="googleAda4f05045-eb6b-4926-b11a-e5fd54ff2d1d" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[300, 250], [300, 600], [300, 1050]]" data-lazy-threshold="100" data-prevent-define="true" data-slot-adSizeMap="[[[768, 0], [300, 250], [300, 600], [300, 1050]], [[0, 0], [300, 250]]]" data-position="bigbox1"> <span class="GoogleDfpAd-placeholder"></span> </div><div id="googleAdfe20c360-6deb-4780-99b0-fefac44bb1d0" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[300, 250], [300, 600]]" data-lazy-threshold="100" data-prevent-define="true" data-slot-adSizeMap="[[[768, 0], [300, 250], [300, 600]], [[0, 0], [0, 0]]]" data-position="bigbox2"> <span class="GoogleDfpAd-placeholder"></span> </div><ps-piano class="right-rail-trending-test" style="display:block"></ps-piano><div class="RawHtml" data-module-mame="omeda-right-rail-container"><div id="omeda-right-rail"></div></div><div id="googleAddb05b546-5f6b-4120-af64-4dfd55ff3e20" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Opinion" data-slot-sizes="[[300, 250]]" data-lazy-threshold="100" data-slot-adSizeMap="[[[768, 0], [300, 250]]]" data-position="bigbox3"> <span class="GoogleDfpAd-placeholder"></span> </div> </aside> </aside> </ps-article-page> <div class="ArticlePage-wrapper ArticlePage-belowOrWelcomeAd"> <main class="ArticlePage-main"> <div class="Page-below"> <ps-piano class="piano-box-left-btm" style="display:block"></ps-piano><ps-piano class="piano-box-left-mid" style="display:block"></ps-piano><ps-piano class="piano-box-right-btm" style="display:block"></ps-piano><ps-piano class="piano-box-right-mid" style="display:block"></ps-piano><ps-piano class="piano-box-footer" style="display:block"></ps-piano><ps-piano class="piano-box-footer-slide-up" style="display:block"></ps-piano><ps-piano class="piano-bottom-banner-slide-up" style="display:block"></ps-piano><ps-piano class="piano-box-footer-my-account" style="display:block"></ps-piano><ps-piano class="piano-bottom-banner-slide-in-right" style="display:block"></ps-piano><ps-piano class="topic-based-newsletter-signup" style="display:block"></ps-piano><div class="RawHtml" data-module-mame="omeda-sub-article-newsletter-sign-up"><div id="omeda-subarticle-nl-signup"></div></div><ps-list-loadmore class="MediumImageRightStackedList" data-add-tag-filtering="false" data-list-name="MORE FROM AMERICAN BANKER" data-list-type="Medium Image Right Stacked List"> <div class="MediumImageRightStackedList-header ListHeaderWithIcon ListHeaderWithIcon-align-center"><div class="ListHeaderWithIcon-content-wrapper"><div class="MediumImageRightStackedList-title ListHeader-title">MORE FROM AMERICAN BANKER</div> </div> </div> <ul class="MediumImageRightStackedList-items" data-list-loadmore-items> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/mobile-banking" class="Link">Mobile banking</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year" target=""> U.S. Bank tops mobile banking ranks for third straight year </a> </div> <div class="PromoMediumImageRight-description"><p>The bank was determined, by multiple industry rankings and experts, to be the best mobile banking provider in the U.S.. Bank of America took second place.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/e0c6e62/2147483647/strip/true/crop/4790x4790+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG 1x,https://arizent.brightspotcdn.com/dims4/default/a405174/2147483647/strip/true/crop/4790x4790+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/304284f/2147483647/strip/true/crop/4790x4790+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG"/><img class="Image" data-image-size="headshotSmall" alt="Melinda Lucy headshot" srcset="https://arizent.brightspotcdn.com/dims4/default/304284f/2147483647/strip/true/crop/4790x4790+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG 1x,https://arizent.brightspotcdn.com/dims4/default/774ce70/2147483647/strip/true/crop/4790x4790+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/304284f/2147483647/strip/true/crop/4790x4790+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F41%2F9e%2F388a50804bada72b7836de1bbb5f%2Fimg-9280.JPG"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/melinda-lucy">Melinda Lucy</a> <div class="PromoMediumImageRight-authorTitle"> Tech Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">9h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/b5e1e1e/2147483647/strip/true/crop/5464x3074+0+0/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/17e7f7d/2147483647/strip/true/crop/5464x3074+0+0/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/72af8e5/2147483647/strip/true/crop/5464x3074+0+0/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/3582c20/2147483647/strip/true/crop/5464x3074+0+0/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/57d5e00/2147483647/strip/true/crop/5464x3074+0+0/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/4353782/2147483647/strip/true/crop/5464x3074+0+0/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/4340246/2147483647/strip/true/crop/5464x3074+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg"/><img class="Image" data-image-size="promoMedium" alt="Ankit Bhatt U.S. Bank" srcset="https://arizent.brightspotcdn.com/dims4/default/f60d14c/2147483647/strip/true/crop/5464x3074+0+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/5b15fc8/2147483647/strip/true/crop/5464x3074+0+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/2be56e1/2147483647/strip/true/crop/5464x3074+0+0/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/9d9572a/2147483647/strip/true/crop/5464x3074+0+0/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/a69f317/2147483647/strip/true/crop/5464x3074+0+0/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/fafa8a4/2147483647/strip/true/crop/5464x3074+0+0/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/4340246/2147483647/strip/true/crop/5464x3074+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F11%2F72%2F3682836a453893ea8db212bada3a%2Fankit-bhatt-0009.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/professional-development" class="Link">Professional development</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/why-ria-successors-walk-away-and-how-to-keep-them" target=""> Why potential RIA successors walk away â and how to keep them </a> </div> <div class="PromoMediumImageRight-description"><p>Succession planning experts say that the possible next generation of RIA owners need clear communication, tangible career paths and thoughtful compensation plans. But that is often easier said than done.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/7f30f2f/2147483647/strip/true/crop/600x600+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/1b1d0d2/2147483647/strip/true/crop/600x600+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg 2x"/><source width="
12548" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/e2ccafb/2147483647/strip/true/crop/600x600+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg"/><img class="Image" data-image-size="headshotSmall" alt="fp_author_Tobias_Salinger.jpg" srcset="https://arizent.brightspotcdn.com/dims4/default/e2ccafb/2147483647/strip/true/crop/600x600+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/b8e0121/2147483647/strip/true/crop/600x600+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/e2ccafb/2147483647/strip/true/crop/600x600+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F58%2Fb1%2F0d860f6d4a10a4b7965b6370eb99%2Ffp-author-tobias-salinger.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/tobias-salinger">Tobias Salinger</a> <div class="PromoMediumImageRight-authorTitle"> Chief Correspondent </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">10h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/why-ria-successors-walk-away-and-how-to-keep-them" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/fe61a29/2147483647/strip/true/crop/1640x923+0+0/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 320w,https://arizent.brightspotcdn.com/dims4/default/749f102/2147483647/strip/true/crop/1640x923+0+0/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 568w,https://arizent.brightspotcdn.com/dims4/default/c7e819a/2147483647/strip/true/crop/1640x923+0+0/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 768w,https://arizent.brightspotcdn.com/dims4/default/fb97c20/2147483647/strip/true/crop/1640x923+0+0/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1024w,https://arizent.brightspotcdn.com/dims4/default/d4cd578/2147483647/strip/true/crop/1640x923+0+0/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1240w,https://arizent.brightspotcdn.com/dims4/default/14ddd6c/2147483647/strip/true/crop/1640x923+0+0/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/6185452/2147483647/strip/true/crop/1640x923+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png"/><img class="Image" data-image-size="promoMedium" alt="Did registered representatives' classification change or stay the same in 2025?" srcset="https://arizent.brightspotcdn.com/dims4/default/a251295/2147483647/strip/true/crop/1640x923+0+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 320w,https://arizent.brightspotcdn.com/dims4/default/ef2f338/2147483647/strip/true/crop/1640x923+0+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 568w,https://arizent.brightspotcdn.com/dims4/default/e7e0ba5/2147483647/strip/true/crop/1640x923+0+0/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 768w,https://arizent.brightspotcdn.com/dims4/default/5e490e4/2147483647/strip/true/crop/1640x923+0+0/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1024w,https://arizent.brightspotcdn.com/dims4/default/b85b5b2/2147483647/strip/true/crop/1640x923+0+0/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1240w,https://arizent.brightspotcdn.com/dims4/default/9251832/2147483647/strip/true/crop/1640x923+0+0/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/6185452/2147483647/strip/true/crop/1640x923+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa6%2F31%2F01e85ffa4b0cb018b61de85b4a32%2Fadvisor-succession-planning.png"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/payments" class="Link">Payments</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/canadas-biggest-banks-team-up-on-tokenized-deposits" target=""> Canada's biggest banks team up on tokenized deposits </a> </div> <div class="PromoMediumImageRight-description"><p>The move came 12 days after Canada's bank regulator said tokenized deposits are not legally distinct from ordinary deposits.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/3887340/2147483647/strip/true/crop/2249x2249+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/0091602/2147483647/strip/true/crop/2249x2249+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/b5d5bf4/2147483647/strip/true/crop/2249x2249+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg"/><img class="Image" data-image-size="headshotSmall" alt="Carter Pape, American Banker" srcset="https://arizent.brightspotcdn.com/dims4/default/b5d5bf4/2147483647/strip/true/crop/2249x2249+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/d0cef73/2147483647/strip/true/crop/2249x2249+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/b5d5bf4/2147483647/strip/true/crop/2249x2249+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7b%2F70%2F54ac8fa54e728d80a3fbec3e4858%2Factual-best.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/carter-pape">Carter Pape</a> <div class="PromoMediumImageRight-authorTitle"> Technology Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">10h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/canadas-biggest-banks-team-up-on-tokenized-deposits" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/78d9882/2147483647/strip/true/crop/8192x4608+0+428/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/c655f2e/2147483647/strip/true/crop/8192x4608+0+428/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/1a74db4/2147483647/strip/true/crop/8192x4608+0+428/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/196a926/2
125147483647/strip/true/crop/8192x4608+0+428/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/8482490/2147483647/strip/true/crop/8192x4608+0+428/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/4ed76bd/2147483647/strip/true/crop/8192x4608+0+428/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/63af339/2147483647/strip/true/crop/8192x4608+0+428/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg"/><img class="Image" data-image-size="promoMedium" alt="Bank Of Canada Interest Rate Announcement" srcset="https://arizent.brightspotcdn.com/dims4/default/707478c/2147483647/strip/true/crop/8192x4608+0+428/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/3a08819/2147483647/strip/true/crop/8192x4608+0+428/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/b4c64b8/2147483647/strip/true/crop/8192x4608+0+428/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/a6ea026/2147483647/strip/true/crop/8192x4608+0+428/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/a168ccd/2147483647/strip/true/crop/8192x4608+0+428/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/0a9c5be/2147483647/strip/true/crop/8192x4608+0+428/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/63af339/2147483647/strip/true/crop/8192x4608+0+428/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F1b%2F4a%2Fbcc1e2fd4fc48858aec6c03a35b5%2F455007982.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/agentic-commerce" class="Link">Agentic Commerce</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/payments/news/are-banks-falling-behind-on-agentic-commerce-standards" target=""> Are banks falling behind on agentic commerce standards? </a> </div> <div class="PromoMediumImageRight-description"><p>Bank of America, Capital One and other large banks have teamed up to publish a set of principles for agentic commerce. But the call for a set of standards from banks comes as other fintechs and payment companies are already forging ahead with the technology. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/91ac505/2147483647/strip/true/crop/5464x5464+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG 1x,https://arizent.brightspotcdn.com/dims4/default/b49e3ac/2147483647/strip/true/crop/5464x5464+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/5c83f5e/2147483647/strip/true/crop/5464x5464+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG"/><img class="Image" data-image-size="headshotSmall" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/5c83f5e/2147483647/strip/true/crop/5464x5464+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG 1x,https://arizent.brightspotcdn.com/dims4/default/1eaa614/2147483647/strip/true/crop/5464x5464+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/5c83f5e/2147483647/strip/true/crop/5464x5464+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F32%2Ff5%2Faa566bf1400a9e6522f39d1df2de%2Fimg-0190.JPG"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/joey-pizzolato">Joey Pizzolato</a> <div class="PromoMediumImageRight-authorTitle"> Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">11h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/payments/news/are-banks-falling-behind-on-agentic-commerce-standards" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/1e2b951/2147483647/strip/true/crop/1362x766+1+0/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 320w,https://arizent.brightspotcdn.com/dims4/default/2affac6/2147483647/strip/true/crop/1362x766+1+0/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 568w,https://arizent.brightspotcdn.com/dims4/default/3d8337d/2147483647/strip/true/crop/1362x766+1+0/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 768w,https://arizent.brightspotcdn.com/dims4/default/62bd484/2147483647/strip/true/crop/1362x766+1+0/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1024w,https://arizent.brightspotcdn.com/dims4/default/4e6c4b8/2147483647/strip/true/crop/1362x766+1+0/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1240w,https://arizent.brightspotcdn.com/dims4/default/8bebb6d/2147483647/strip/true/crop/1362x766+1+0/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/cda9bef/2147483647/strip/true/crop/1362x766+1+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png"/><img class="Image" data-image-size="promoMedium" alt="BoACapOneCEOs.png" srcset="https://arizent.brightspotcdn.com/dims4/default/b00d7ad/2147483647/strip/true/crop/1362x766+1+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 320w,https://arizent.brightspotcdn.com/dims4/default/66a8993/2147483647/strip/true/crop/1362x766+1+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 568w,https://arizent.brightspotcdn.com/dims4/default/9bea730/2147483647/strip/true/crop/1362x766+1+0/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 768w,https://arizent.brightspotcdn.com/dims4/default/076db1e/2147483647/strip/true/crop/1362x766+1+0/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1024w,https://arizent.brightspotcdn.com/dims4/default/e0252b4/2147483647/strip/true/crop/1362x766+1+0/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1240w,https://arizent.brightspotcdn.com/dims4/default/e111c4b/2147483647/strip/true/crop/1362x766+1+0/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/cda9bef/2147483647/strip/true/crop/1362x766+1+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F93%2F77%2F62b49dae466ca8d1ae957d37f105%2Fboacaponeceos.png"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/mergers-and-acquisitions" class="Link">M&A</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/texas-bank-looks-to-grow-in-nm-by-buying-albuquerque-lender" target=""> Texas bank looks to grow in NM by buying Albuquerque lender </a> </div> <div class="PromoMediumImageRight-description"><p>WestStar Bank of El Paso is acquiring Albuquerque's Southwest Capital Bank, bringing it six new branches in New Mexico.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/6046da1/2147483647/strip/true/crop/3421x3421+0+62/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/d3ee907/2147483647/strip/true/crop/3421x3421+0+62/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/52aed40/2147483647/strip/true/crop/3421x3421+0+62/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg"/><img class="Image" data-image-size="headshotSmall" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/52aed40/2147483647/strip/true/crop/3421x3421+0+62/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/977beba/2147483647/strip/true/crop/3421x3421+0+62/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/52aed40/2147483647/strip/true/crop/3421x3421+0+62/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fc7%2F435ece244067b9165a12d2f0a8ae%2Fimg-0261-cropped.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/nathan-place">Nathan Place</a> <div class="PromoMediumImageRight-authorTitle"> National Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">11h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/texas-bank-looks-to-grow-in-nm-by-buying-albuquerque-lender" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/c3041b0/2147483647/strip/true/crop/8256x4644+0+430/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 320w,https://arizent.brightspotcdn.com/dims4/default/fd66287/2147483647/strip/true/crop/8256x4644+0+430/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 568w,https://arizent.brightspotcdn.com/dims4/default/c6a9e00/2147483647/strip/true/crop/8256x4644+0+430/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/98e3c93/2147483647/strip/true/crop/8256x4644+0+430/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1024
125w,https://arizent.brightspotcdn.com/dims4/default/655874c/2147483647/strip/true/crop/8256x4644+0+430/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1240w,https://arizent.brightspotcdn.com/dims4/default/45c3a37/2147483647/strip/true/crop/8256x4644+0+430/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/e53e785/2147483647/strip/true/crop/8256x4644+0+430/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg"/><img class="Image" data-image-size="promoMedium" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/c93fb4b/2147483647/strip/true/crop/8256x4644+0+430/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 320w,https://arizent.brightspotcdn.com/dims4/default/f55e64d/2147483647/strip/true/crop/8256x4644+0+430/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 568w,https://arizent.brightspotcdn.com/dims4/default/45058a7/2147483647/strip/true/crop/8256x4644+0+430/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/33c6893/2147483647/strip/true/crop/8256x4644+0+430/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1024w,https://arizent.brightspotcdn.com/dims4/default/dd7f4fb/2147483647/strip/true/crop/8256x4644+0+430/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1240w,https://arizent.brightspotcdn.com/dims4/default/cf4792b/2147483647/strip/true/crop/8256x4644+0+430/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/e53e785/2147483647/strip/true/crop/8256x4644+0+430/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F2a%2F25%2F756d5e7c4585a7a7bb7b63885a87%2Fadobestock-302490069.jpeg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/economy" class="Link">Economy</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/bank-economists-see-continued-growth-persistent-inflation" target=""> Bank economists see continued growth, persistent inflation </a> </div> <div class="PromoMediumImageRight-description"><p>The U.S. economy is expected to keep growing despite nagging inflation, according to the latest consensus report from the American Bankers Association's Economic Advisory Committee.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/d6f024f/2147483647/strip/true/crop/2550x2550+0+102/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/a807008/2147483647/strip/true/crop/2550x2550+0+102/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/fa5d46e/2147483647/strip/true/crop/2550x2550+0+102/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg"/><img class="Image" data-image-size="headshotSmall" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/fa5d46e/2147483647/strip/true/crop/2550x2550+0+102/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/c197e4e/2147483647/strip/true/crop/2550x2550+0+102/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/fa5d46e/2147483647/strip/true/crop/2550x2550+0+102/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F69%2F64%2Fd6e992df4f669411d4dfe1b28b93%2Fallissa-7375-10xx19.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/allissa-kline">Allissa Kline</a> <div class="PromoMediumImageRight-authorTitle"> Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">11h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/bank-economists-see-continued-growth-persistent-inflation" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/c09e2f4/2147483647/strip/true/crop/4000x2250+0+209/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/e62f593/2147483647/strip/true/crop/4000x2250+0+209/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/22169e0/2147483647/strip/true/crop/4000x2250+0+209/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/afa5ff8/2147483647/strip/true/crop/4000x2250+0+209/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/1037718/2147483647/strip/true/crop/4000x2250+0+209/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/7c6c6cc/2147483647/strip/true/crop/4000x2250+0+209/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/f3e2ad4/2147483647/strip/true/crop/4000x2250+0+209/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg"/><img class="Image" data-image-size="promoMedium" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/c7b3cde/2147483647/strip/true/crop/4000x2250+0+209/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/6b8dccd/2147483647/strip/true/crop/4000x2250+0+209/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/4837062/2147483647/strip/true/crop/4000x2250+0+209/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/87b64c1/2147483647/strip/true/crop/4000x2250+0+209/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/90a9e54/2147483647/strip/true/crop/4000x2250+0+209/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/bd9e895/2147483647/strip/true/crop/4000x2250+0+209/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/f3e2ad4/2147483647/strip/true/crop/4000x2250+0+209/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F50%2F45%2Fb072c8cd4876b7de5986d4297685%2F467833090.jpg"></picture></a></ps-link> </div> </div> </div> </li> </ul> <div class="MediumImageRightStackedList-nextPage" data-list-loadmore-pagination data-pagination-url="?offset=6"> <span class="Link MediumImageRightStackedList-view-more" data-href="?offset=6" data-list-loadmore-cta>Load More</span> </div> </ps-list-loadmore> </div> </main> </div> </div> <footer class="Page-footer"> <ps-footer> <div class="Page-footer-content"> <div class="Page-footer-columns"> <div class="Page-footer-column"> <div class="Page-footer-column-content"> <div class="PromoMediumVerticalImageRight"> <div class="PromoMediumVerticalImageRight-content"> <div class="PromoMediumVerticalImageRight-title">
125 23RD ANNUAL THE MOST POWERFUL WOMEN IN BANKING </div> <div class="PromoMediumVerticalImageRight-description"><p>Meet The Most Powerful Women in Banking 2025, our annual ranking of the executives at the pinnacle of the industry. </p></div> </div> <div class="PromoMediumVerticalImageRight-media"> <ps-link><a href="https://www.americanbanker.com/magazine/american-banker-magazine-october-2025" class="Link" aria-label="23RD ANNUAL THE MOST POWERFUL WOMEN IN BANKING"><picture><source type="image/webp" width="212" height="282" data-image-size="promoMediumVertical"srcset="https://arizent.brightspotcdn.com/dims4/default/6427b21/2147483647/strip/true/crop/2283x3037+0+54/resize/212x282!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/eea02da/2147483647/strip/true/crop/2283x3037+0+54/resize/424x564!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg 2x"/><source width="212" height="282" data-image-size="promoMediumVertical"srcset="https://arizent.brightspotcdn.com/dims4/default/bd22ea7/2147483647/strip/true/crop/2283x3037+0+54/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg"/><img class="Image" data-image-size="promoMediumVertical" alt="ABM1025_Cover.jpg" srcset="https://arizent.brightspotcdn.com/dims4/default/bd22ea7/2147483647/strip/true/crop/2283x3037+0+54/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/dc1e3e5/2147483647/strip/true/crop/2283x3037+0+54/resize/424x564!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg 2x" width="212" height="282" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/bd22ea7/2147483647/strip/true/crop/2283x3037+0+54/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F7a%2Fd5%2Fe96020934744b30ad9fb1f2b650c%2Fabm1025-cover.jpg"></picture></a></ps-link> </div> </div> <div class="RichTextModule"> <div class="RichTextModule-items RichTextBody"><p><div class="RawHtml"><style>.headerMain{width:300px !important;padding-bottom:40px}.imgApple{height:40px}.imgGoogle{height:40px}.headerTitle{color:#fff;padding-bottom:15px}.headerApple{float:left}.headerGoogle{float:right;padding-right:25px}</style> <div class="headerMain"> <div class="headerTitle">Download the American Banker app</div> <div class="headerApple"><a href="https://apps.apple.com/app/american-banker/id449948979"><img src="https://arizent.brightspotcdn.com/06/d2/849b1ca243f6ac0eeeb140a452d9/ab-apple-app-icon.svg" class="imgApple"></a></div> <div class="headerGoogle"><a href="https://play.google.com/store/apps/details?id=com.arizent.americanbanker"><img src="https://arizent.brightspotcdn.com/ff/23/562f18a441d7b66cff4889c43b62/ab-google-app-icon.svg" class="imgGoogle"></a></div> </div> </div></p></div> </div> </div> </div> <div class="Page-footer-column"> <div class="Page-footer-social"> <div class="SocialBarFooter"> <table> <tbody> <tr> <td> <label class="SocialBarFooter-text">Follow Us</label> </td> </tr> <tr> <td> <ul class="SocialBarFooter-items"> <li class="SocialBarFooter-items-item" data-social-service="googlenews"><a class="SocialLink" rel="noreferrer" href="https://news.google.com/publications/CAAiEHM5mkGRpz_D4FnrJRAmDuIqFAgKIhBzOZpBkac_w-BZ6yUQJg7i?oc=3&ceid=US:en" target="_blank" data-social-service="googlenews"> <svg><use xlink:href="#mono-icon-googlenews"></use></svg> <span class="sr-only">googlenews</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="twitter"><a class="SocialLink" rel="noreferrer" href="https://twitter.com/amerbanker" target="_blank" data-social-service="twitter"> <svg><use xlink:href="#mono-icon-twitter"></use></svg> <span class="sr-only">twitter</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="youtube"><a class="SocialLink" rel="noreferrer" href="https://www.youtube.com/c/americanbanker " target="_blank" data-social-service="youtube"> <svg><use xlink:href="#mono-icon-youtube"></use></svg> <span class="sr-only">youtube</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="applenews"><a class="SocialLink" rel="noreferrer" href="https://news.apple.com/TcZC5NRndQQ-74buMv4Okkg" target="_blank" data-social-service="applenews"> <svg><use xlink:href="#mono-icon-applenews"></use></svg> <span class="sr-only">applenews</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="whatsapp"><a class="SocialLink" rel="noreferrer" href="https://www.whatsapp.com/channel/0029VbBGnEc0LKZ8obSpfn3r" target="_blank" data-social-service="whatsapp"> <svg><use xlink:href="#mono-icon-whatsapp"></use></svg> <span class="sr-only">whatsapp</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="facebook"><a class="SocialLink" rel="noreferrer" href="https://www.facebook.com/AmericanBanker" target="_blank" data-social-service="facebook"> <svg><use xlink:href="#mono-icon-facebook"></use></svg> <span class="sr-only">facebook</span> </a></li> <li class="SocialBarFooter-items-item" data-social-service="linkedin"><a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/company/american-banker/" target="_blank" data-social-service="linkedin"> <svg><use xlink:href="#mono-icon-linkedin"></use></svg> <span class="sr-only">linkedin</span> </a></li> </ul> </td> </tr> </tbody> </table> </div> </div> <div class="Page-footer-navigation"> <nav class="FooterNavigation"> <ul class="FooterNavigation-items"> <li class="FooterNavigation-items-item"> <div class="FooterNavigationItem"> <ul class="FooterNavigationItem-items"> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/subscribe">Subscription Options</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/enterprise">Enterprise Subscriptions</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/email-options">Newsletters</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/my-account">My Membership</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/magazine">The Magazine</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/feed?rss=true" target="_blank">RSS Feed</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/glossary/a.html">Banker's Glossary</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/event-archives">Events</a></li> </ul> </div> </li> <li class="FooterNavigation-items-item"> <div class="FooterNavigationItem"> <ul class="FooterNavigationItem-items"> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/about-us">About Us</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/privacypolicy" target="_blank">Privacy Policy</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/ai-policy" target="_blank">AI Policy</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/news/arizent-subscription-agreement" target="_blank">Subscription Agreement</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://info.wrightsmedia.com/arizent-licensing-and-reprints" target="_blank">Content Licensing/Reprints</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/media-kit" target="_blank">Advertising/Marketing Services</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/resources">Resources</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/help-center">Help Center</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/contact-us">Contact Us</a></li> </ul> </div> </li> </ul> </nav> </div> <div class="Page-footer-copyright onlyXl"> <div class="Page-footer-logo"><a aria-label="home page" href="https://www.arizent.com/" target="_blank"> <picture><source type="image/webp" width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/684526d/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/afa8016/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x"/><source width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"/><img class="Image" data-image-size="siteLogo" alt="Arizent Logo" srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/c79b7ea/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x" width="303" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"></picture> </a></div> <div class="Page-footer-disclaimer">© 2026 Arizent. All rights reserved.</div> </div> </div> <div class="Page-footer-copyright notXl"> <div class="Page-footer-logo"><a aria-label="home page" href="https://www.arizent.com/" target="_blank"> <picture><source type="image/webp" width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/684526d/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/afa8016/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x"/><source width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"/><img class="Image" data-image-size="siteLogo" alt="Arizent Logo" srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/c79b7ea/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x" width="303" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"></picture> </a></div> <div class="Page-footer-disclaimer">© 2026 Arizent. All rights reserved.</div> </div> </div> </div> </ps-footer> </footer> <ps-piano-global></ps-piano-global>
125<script id="piano_adblock_detection_script">'use strict';document.cookie="__adblocker\x3d; expires\x3dThu, 01 Jan 1970 00:00:00 GMT; path\x3d/";var setNptTechAdblockerCookie=function(adblocker){var d=new Date;d.setTime(d.getTime()+60*5*1E3);document.cookie="__adblocker\x3d"+(adblocker?"true":"false")+"; expires\x3d"+d.toUTCString()+"; path\x3d/"};var script=document.createElement("script");script.setAttribute("async",true);script.setAttribute("src","//www.npttech.com/advertising.js");script.setAttribute("onerror","setNptTechAdblockerCookie(true);"); 126document.getElementsByTagName("head")[0].appendChild(script);</script>
126
126<script id="piano_script_injector">'use strict';(function(_scriptSrc){var newScriptElement=document.createElement("script");newScriptElement.type="text/javascript";newScriptElement.async=true;newScriptElement.id="piano_injected_script";newScriptElement.src=_scriptSrc;newScriptElement.onerror=function(){console.error("Could not load Piano JS library (tinypass.min.js)")};var firstScriptElement=document.getElementsByTagName("script")[0];firstScriptElement.parentNode.insertBefore(newScriptElement,firstScriptElement)})("//c2.americanbanker.com/xbuilder/experience/load?aid\x3dXUnXNMUrFF");</script>
126<script async="async" id="google_dfp_script" src="https://securepubads.g.doubleclick.net/tag/js/gpt.js" onerror="console.error('Could not load Google DFP JS library (gpt.js)')"> </script>
126
126<script type="text/javascript" id="google_dfp_setup_script">'use strict';var u=window.psUnescapeHTML=window.psUnescapeHTML||function(html){var el=document.createElement("span");el.innerHTML=html;return el.innerText};var du=window.psDoubleUnescapeHTML=window.psDoubleUnescapeHTML||function(html){return u(u(html))};var ua=window.psUnescapeArray=window.psUnescapeArray||function(arr){for(let i=0;i<arr.length;i++)arr[i]=du(arr[i]);return arr};var googletag=googletag||{};googletag.cmd=googletag.cmd||[];var fabrikConnectEnabled=false; 127if(fabrikConnectEnabled){window.kargobid=window.kargobid||{};window.kargobid.cmd=window.kargobid.cmd||[];window.kargobid.cmd.push(function(){googletag.cmd.push(function(){googletag.pubads().setTargeting("topics",ua(["fdic","federal-reserve","fincen","ncua","occ","politics","politics-and-policy","regulation-and-compliance"]));googletag.pubads().setTargeting("storyID",du("000001a0-ca2f-d513-a5b9-deffdc8a0001"));googletag.pubads().setTargeting("organization",ua(["fdic","federal-reserve","occ","ncua", 128"fincen"]));googletag.pubads().setTargeting("PID",du("null"));googletag.pubads().enableAsyncRendering();googletag.pubads().disableInitialLoad();googletag.enableServices()})})}else googletag.cmd.push(function(){googletag.pubads().setTargeting("topics",ua(["fdic","federal-reserve","fincen","ncua","occ","politics","politics-and-policy","regulation-and-compliance"]));googletag.pubads().setTargeting("storyID",du("000001a0-ca2f-d513-a5b9-deffdc8a0001"));googletag.pubads().setTargeting("organization",ua(["fdic", 129"federal-reserve","occ","ncua","fincen"]));googletag.pubads().setTargeting("PID",du("null"));googletag.pubads().enableAsyncRendering();googletag.pubads().disableInitialLoad();googletag.enableServices()});var dfpAdSlotsObject={};var dfpAdSlots=[];var staticAdSlots=[];</script>
129<script async="async" id="ias_script" src='//cdn.adsafeprotected.com/iasPET.1.js' data-ias onerror="console.error('Could not load IAS JS library (iasPET.1.js)')" data-public-id="11046" data-timeout=2000> </script>
129<script id="qmod" type="application/javascript" src="https://qmod.quotemedia.com/js/qmodLoader.js" data-qmod-wmid="104778"></script>
129<script async src="https://distribution-cdn.askmiso.com/miso-arizent-script/latest/miso-americanbanker.min.js"></script>
129<script id="google_tag_manager_script_injector">'use strict';(function(_window,_document,_tagName,_dataLayer,_accountId){function gtmJsPush(){_window[_dataLayer]=_window[_dataLayer]||[];_window[_dataLayer].push({"gtm.start":(new Date).getTime(),event:"gtm.js"})}function loadGtmScript(){var firstScripElement=_document.getElementsByTagName(_tagName)[0];var newScriptElement=_document.createElement(_tagName);var dataLayer=_dataLayer!=="dataLayer"?"\x26l\x3d"+_dataLayer:"";newScriptElement.async=true;newScriptElement.id="google_tag_manager_injected_script"; 130newScriptElement.src="https://www.googletagmanager.com/gtm.js?id\x3d"+_accountId+dataLayer;newScriptElement.onerror=function(){console.error("Could not load Google Tag Manager JS library (gtm.js)")};newScriptElement.onload=function(){console.log("Google Tag Manager JS library (gtm.js) - loaded");_window.gtmLoaded=true;_document.dispatchEvent(new _window.CustomEvent("GTM:Loaded",{detail:{accountId:_accountId}}))};firstScripElement.parentNode.insertBefore(newScriptElement,firstScripElement)}function execute(){gtmJsPush(); 131loadGtmScript()}function checkForGtmInitialPush(){if(_window.gtmInitialPush===undefined)_document.addEventListener("GTM:InitialPush",function(){execute()});else execute()}checkForGtmInitialPush()})(window,document,"script","dataLayer","GTM-5DXTZXR");</script>
131 <style>.PromoLeadItem-category,.PromoLeadItem-tags{padding-left:0 !important}</style> <style>.GoogleDfpAd-placeholder+div{background-color:#fff !important}</style> <style>.SearchResultsModule-filters-open{display:none !important}</style> <style>div[data-processed-position="video-in-article"]{padding:0 !important}</style> <style>.DropdownNavigationItem-text{font-size:16px !important}.DropdownNavigationItem-text span,.DropdownNavigationItem-text-link{font-weight:700 !important}</style> <style>.CtaDownloadButtonModule-lead-cta{text-decoration:none !important}</style>
131<script id="script_0000019e-d139-df19-af9f-f1bb3ec30000" data-name="Add NEW Badge Function Call">'use strict';try{document.addEventListener("DOMContentLoaded",function(){if(typeof addNavBadge==="function"&&typeof addSubNavBadge==="function"){addNavBadge("Policy \x26 Risk","#F2E6D8");addSubNavBadge("Risk \x26 Compliance","#F2E6D8")}})}catch(error){window.bspLogger_runtimeScriptError(error,"Add NEW Badge Function Call")};</script>
131 </body> </html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.