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Executive Letter: WBA Advocacy at Work: Reconciliation Bill Reflects Community Banking Needs

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

Momentum continues in Washington as the Senate moved forward Monday on H.R. 1, the “One Big Beautiful Bill Act,” following key votes on the reconciliation package. The measure includes several tax-related provisions that directly support community banks and the customers we serve. The bill moved to the House for deliberations.

WBA joined forces with the American Bankers Association (ABA) and state associations around the country in sending a letter to Senate and House leaders over the weekend urging support on critical issues that affect our banks. I am encouraged to see the reconciliation bill reflects many of the policies WBA has pushed for, including:
• Enacting a narrow provision of the ACRE Act to expand access to affordable credit for farmers and ranchers
• Making permanent the Section 199A deduction, which supports Wisconsin’s many S-corporation banks
• Extending enhanced estate tax exemptions to protect family-owned banks
• Strengthening the Low-Income Housing Tax Credit to support affordable housing
• Permanently establishing the New Markets Tax Credit for investments in economically-distressed communities
• Maintaining immediate R&D expensing to promote domestic innovation and entrepreneurship
• Allowing interest deductibility under the EBITDA standard to encourage reinvestment
• Reducing CFPB funding to improve accountability

These important measures help Wisconsin banks remain strong players in local economic growth, job creation, and uplifting our rural communities. WBA will continue to watch the reconciliation bill and advocate for its final passage with these provisions intact.

Thank you to all our members who have stood with us in advancing policies that support our industry and our communities. As always, we encourage you to join us on future advocacy trips to Washington, D.C. Your voice is critical — and your advocacy makes a powerful difference.

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Executive Letter: WBA Ramps up Anti-Fraud Efforts Amid Rising Threats

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

In my conversations with bankers across the state, one issue continues to dominate: fraud. The fraud landscape is evolving at an alarming pace as criminals tap into new technology to exploit customers. WBA remains committed to supporting members with tools and training to stay ahead of these growing threats.

In response to strong member interest, WBA held our first annual Fraud Summit earlier this month in Wisconsin Dells. Feedback from attendees was overwhelmingly positive, with many already expressing interest in future fraud-related events. The program featured practical, in-depth presentations, including:
• Diana Kern (SHAZAM) on debit card fraud defense strategies
• Patrick Smith (American Bankers Association) on today’s fraud trends and prevention tools
• FBI veteran John Iannarelli (“FBI John”) on real-world cyberattack risks
• Michael Ayotte (Wipfli LLP) on social engineering, staff training, and physical security gaps

A full recap will be shared in the next issue of Wisconsin Banker.

Federal regulators are stepping up. Recently the federal banking agencies announced they are collaborating to address fraud, particularly check fraud, and are seeking comment on strategies to combat it. The Federal Reserve Board, Federal Deposit Insurance Corporation (FDIC), and Office of the Comptroller of the Currency (OCC) are actively involved in this effort. The agencies are focusing on areas like interagency collaboration, consumer and industry education, regulatory adjustments, data sharing, and leveraging technology to reduce fraud.

The June 2025 FDIC Consumer News highlights the increasing threats of bank impersonation and fake bank scams, providing an overview and tips that would be helpful to share with bank customers. In 2024 alone, consumers reported $12.5 billion in fraud losses, with imposter scams — especially bank impersonation scams — among the top threats. Scammers send fake texts or emails that look like urgent bank alerts, then follow up with calls pretending to be from your bank’s fraud department. Their goal: to trick customers into sharing personal details like account numbers or passwords. Victims of these scams typically lose around $3,000 and face identity theft risks. Criminals also set up fake bank websites designed to trick people into sending money or sharing personal information. To appear legitimate, these sites may misuse the FDIC name or display the “Member FDIC” logo without authorization, creating a false sense of trust.

Elderly customers continue to be targeted, so I want to highlight a free training opportunity to help your staff respond. Safeguarding Seniors: A Guide for Financial Institutions is a self-paced, three-hour training developed by the Wisconsin Elder Justice Coalition and UW–Green Bay. It’s designed to help staff recognize and report suspected financial exploitation of older adults.

Despite the decline in check usage, check fraud is on the rise — particularly tied to mail theft. According to FinCEN, check fraud now accounts for about half of fraud-related SARs filed by depository institutions. That’s why we’re sharing the following fraud resources to help:

Directories
• ABA Fraud Contact Directory – Allows ABA members and non-members to submit and search contact information for submitting a fraud or check warranty breach claim.
• ICBA Solutions Directory – Lists service providers in payments, compliance, and security.
• ACH Contact Registry | Nacha – Find ACH/check contacts at other financial institutions.

Education & Training
• Webinar: Check Frauds and Scams
• WBA Resource: Negotiable Instruments Manual (UCC rules on liability for Wisconsin banks)
• ABA Online Training: 30-minute Fraud Prevention course, available through WBA for $55/registrant. Group discounts available.

WBA Best Practices Library
Access sample affidavits and tools shared by the WBA Financial Crimes Committee in the Best Practices Library on the WBA website. To request the password, contact WBA Legal at wbalegal@wisbank.com.

Please reach out if you have questions or need help accessing any of these materials. Together, we can help protect customers, staff, and financial institutions across Wisconsin.

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Executive Letter: WBA Advocacy Pays Off as the Trigger Lead Bill and ACRE Advance

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

This week brought encouraging news from Washington, D.C. as the Senate began taking steps on legislation to end predatory “trigger lead” practices. The Homebuyers Privacy Protection Act (S. 1467) seeks to prevent credit reporting agencies from selling consumers’ personal information after they apply for a mortgage. The House Financial Services Committee has already advanced an identical version of the bill (H.R. 2808), and with the Senate’s latest action, the measure is gaining strong momentum to move forward.

WBA has served as a persistent advocate for this legislation over the past two congressional sessions. Put simply: The bill champions consumer privacy. The measure aims to prevent credit bureaus from selling loan applicant data without consent, which leads to an influx of invasive solicitations from competing lenders. A mortgage application should be considered private information. Unwanted solicitations fatigue and confuse borrowers, which ultimately erodes trust in the mortgage process.

WBA has lobbied in support of trigger lead reform, and our message remains consistent: Borrowers deserve control over their personal data, and lenders should be able to serve their communities without interference from a relentless barrage of third-party offers.

Additionally, we are pleased to report progress on another top WBA priority: the Access to Credit for our Rural Economy (ACRE) Act. Yesterday, section 70435 of the Senate’s proposed budget reconciliation bill set forth a federal tax exemption for interest income derived from certain rural and agricultural real estate loans. In general, 25% of interest income earned on qualified real estate loans would be excluded from gross income at the federal level—a powerful step forward in reducing the cost of credit in rural areas.

All to say: ACRE eases the tax burden on interest income, which allows banks to reinvest more directly into rural communities—in turn supporting farmers, small businesses, and economic prosperity across our state.

Both developments mark important wins for Wisconsin banks and the clients we serve. We will continue our efforts to advance policies that protect borrowers. We encourage all members to join us on future advocacy trips to our nation’s capital. Thank you to all the bankers who have joined the chorus of support—your advocacy makes a difference!

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Executive Letter: Banking Wins and Risks in “One Big Beautiful Bill”

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

The House-passed “One Big Beautiful Bill Act” (H.R. 1) included a few key wins for the banking industry — importantly, a modified version of the ACRE Act that would help to enhance competition with government-backed farm lenders and tax relief for Subchapter S banks.

Now that the bill is in the hands of the Senate, WBA has been advocating publicly and behind the scenes with our U.S. Senators to underscore how vital it is that the Senate version of the bill include at least the same modified version of ACRE as in the House bill. In coalition letters to Senate leadership, we have also requested increases to the tax exemption percentage from that contained in the House version. Finally, we continue to support the inclusion of tax relief for Subchapter S banks.

Additionally, WBA recently learned of a different provision in the House version of the bill that could become burdensome for financial institutions. A provision in the legislation would impose a 3.5% tax on all cross-border remittance transfers made by any non-U.S. citizen — applying not only to individuals remitting money, but also to all bank-to-bank cross border transfers. The language in the House version does not distinguish between remittances sent by non-citizens who are in the U.S. legally or illegally, which means the scope reaches to non-citizen business owners who are in the U.S. legally conducting their business will be subject to the 3.5% excise tax every time they transfer money out of the U.S. Banks will have to verify the citizenship status of the remittance requestor and, if that requestor is not a U.S. citizen, banks will have to collect and remit the tax to the U.S. Treasury.

Finally, the House version creates a new account called the “Trump Account” which would place $1,000 into an investment account for every newborn in the U.S. As written, the funds are placed into stock market index funds, managed by the child’s legal guardians, with the goal of building long-term financial security.

WBA will keep members apprised of these and other relevant developments as the language continues to evolve.

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Executive Letter: Advancing Together — A Year of Impactful Accomplishments

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

As WBA’s 2024–2025 fiscal year comes to a close this week, I want to extend my sincere gratitude to you and your team for your continued membership in and support of WBA. As I reflect on the past fiscal year, it is clear that the strength of our Association lies in the active involvement of members like you, and I am proud of all we have accomplished together to support a strong, innovative, and resilient banking industry in Wisconsin.

WBA’s impact this year has been substantial. On the regulatory front, we worked closely with the Wisconsin Department of Revenue to implement the new state income tax exemption — an historic, WBA-led legislative win that is expected to deliver our industry at least $29 million in tax savings annually. We also successfully defended the industry by preventing harmful interchange and merchant category code legislation and advanced modernization efforts through updates to the Wisconsin Trust Code and other laws.

Beyond advocacy, WBA offered over seventy-five in-person education programs attended by more than 6,000 bankers, delivered timely legal and compliance resources, and continued to help members reduce benefit costs — saving banks over $2.7 million through our Association Health Plan. You will find more details about these and other significant accomplishments in the July/August 2025 “Year in Review” issue of Wisconsin Banker.

Looking back on our numerous advocacy successes and the valuable resources we have delivered to members, I am energized and optimistic about the collaborative progress we will make in the 2025–2026 fiscal year.

I also want to thank WBA Board Chair Al Araque, the Officers and the rest of the 2024–2025 WBA Board, for their impactful leadership, engagement, and support this past year. Together, the membership, Board, and staff accomplished a lot for the benefit of the industry!

Please watch for your WBA dues invoice for the upcoming 2025–2026 fiscal year, which begins June 1. If you have any questions about your invoice or membership, don’t hesitate to reach out to me directly. I look forward to continuing to work with and for you in the year ahead.

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Executive Letter: More Advocacy in Action

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

The banking industry has been very active this spring with our legislative advocacy at the state and federal level. I am excited to share that, once again, we had incredibly strong participation from Wisconsin bankers last week when WBA joined with ICBA for their annual Capital Summit in Washington, D.C. This year, 21 Wisconsin bankers, two ICBA staff members, and one person from FHLBank of Chicago joined Daryll and me for Congressional Hill visits on key banking industry legislation. Between our two spring Washington trips, we had 43 bankers (several of whom joined us for the first time) join WBA this year, which is a number we have not seen since pre-COVID years. Thank you all for listening to our requests to increase your personal involvement in these critical advocacy trips!

Like last month, the timing of our Hill visits last week Wednesday was fortuitous as both tax policy and cryptocurrency were hot topics in Washington D.C. As you see in the news, there is a lot of focus on passing the House reconciliation bill, labeled the “One Big Beautiful Bill Act,” and sending it to the Senate. This legislation is certainly not without a lot of controversy; however, when the tax portion was first published by the House Ways and Means Committee, WBA was very excited to see a modified version of the ACRE Act included. This is extremely significant because out of hundreds of requests for new tax law changes, only a handful were included and modified ACRE is one of them. Without significant grassroots involvement from the industry over the last several congressional sessions, I do not think this provision would have been included. I am pleased to share that currently Reps. Steil, Fitzgerald, Van Orden, and Pocan are co-sponsors of the stand-alone ACRE Act legislation.

In addition to discussing tax policy and the ACRE Act, there was a lot of dialogue with each Wisconsin congressional office on cryptocurrency. It is expected that the GENIUS Act in the Senate will be up on the floor for a vote this week, and the STABLE Act is expected to progress further in the House soon. Primarily our message was to mitigate stablecoin risks while protecting against community bank disintermediation. Other topics covered included Section 1071 legislation, Credit Card Competition Act, the Farm Bill, and Trigger Leads.

The Wisconsin bankers who joined Daryll Lund and me on this trip found it to be very educational and productive. Without question, WBA is more impactful when constituent bankers help deliver messages to elected officials. I encourage all of you to consider joining WBA next year for one of our two annual Washington Trips, or later this year when we meet with regulators (not legislators), October 16–17, 2025.

Thank you to the bankers who attended the WBA/ICBA Capital Summit!

  • Justin Adamski, The Pineries Bank, Stevens Point
  • Robin Christian, Premier Community Bank, Marion
  • Brooke Frehse, The Stephenson National Bank & Trust, Marinette
  • Rachael Gadbois, The Pineries Bank, Stevens Point
  • Mike Gargaro, Citizens First Bank, Trempealeau
  • Jeff Gruetzmacher, Royal Bank, Lancaster
  • Dale Hans, Horicon Bank
  • Donna Hoppenjan, Mound City Bank, Platteville
  • Shane Ilstrup, Citizens First Bank, Trempealeau
  • Jimmy Kauffman, Bank of Sun Prairie
  • Sue Loken, Lake Ridge Bank, Middleton
  • Hope Markhardt, Lake Ridge Bank, Madison
  • Josh Marron, Park Bank, Madison
  • Paul Northway, American National Bank Fox Cities, Appleton
  • Mike Olson, The Bank of Brodhead
  • Butch Pomeroy, International Bank of Amherst
  • Lonnie Przybylski, International Bank of Amherst
  • Dan Ravenscroft, Royal Bank, Elroy
  • Julie Redfern, Lake Ridge Bank, Verona
  • Ron Schaaf, The Bank of New Glarus
  • Justin Wroblewski, The Stephenson National Bank and Trust, Marinette

Thanks also to these individuals for joining our group:

  • Dave Feldhaus, Federal Home Loan Bank of Chicago
  • Julie Hanson, ICBA
  • Sean Murphy, ICBA
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Executive Letter: Record-Breaking Capitol Day Demonstrates Power of Unified Industry Voice

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

I want to extend my sincere thanks to all of the members who helped make our 2025 Capitol Day a resounding success. With over 320 bankers from more than 70 banks across Wisconsin in attendance, this year marked record-breaking participation and sent a powerful message to lawmakers at the State Capitol.

Bankers met with 32 of 33 State Senators and 80 of 99 State Representatives to discuss the critical role banks play in growing local economies and supporting the needs of individuals, families, and businesses. These direct conversations — on topics like state privacy regulations, credit card interchange fees, tax parity, cryptocurrency, and protecting seniors from financial fraud — emphasized how essential strong partnerships are between lawmakers and our industry. The presence of such a large, unified group made a lasting impression on our state’s elected officials.

We heard from key state leaders including Senate Majority Leader Devin LeMahieu, Senate Minority Leader Dianne Hesselbein, Assembly Speaker Robin Vos, and Assembly Assistant Minority Leader Kalan Haywood who participated in a panel moderated by WisPolitics.com President Jeff Mayers. During lunch, remarks were delivered by DFI Secretary-designee Wendy K. Baumann. Their participation reaffirmed the importance of Capitol Day in shaping policies that enable banks to better serve Wisconsin communities.

As we continue our advocacy work in 2025, we are actively working toward our annual fundraising goal of $300,000 through contributions to Wisbankpac and the Alliance for Bankers Conduit. These funds are essential to supporting critical efforts like Capitol Day — which remains free for WBA members — and ensuring the voice of Wisconsin’s banking industry remains strong and effective in the legislative process. If you or others at your bank have not yet participated, I encourage you to consider a personal contribution and help us reach this important goal. If you would like to help spread the word about WBA’s fundraising goal, a sample fundraising letter is in the digital WBA Advocacy Toolkit.

Once again, thank you for your leadership and your commitment to advocacy. Together, we are making a difference in advancing the banking industry and supporting communities across the state.

If you would like to access any of the “leave behind materials” shared at Capitol Day, you can download them from the links below:
•  WBA Issue Papers Summary
•  Issue Summary
•  Impact Brochure

In closing, I’d like to give kudos to WBA’s Government Relations team, Lorenzo Cruz and Tyler Foti, for their hard work in making Capitol Day the success that it was.

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Executive Letter: Celebrating the Power of Community and the Impact of Wisconsin’s Bankers

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

April is always an action-packed month. I am proud to reflect on the conclusion of another successful Community Banking Month, Financial Literacy Month, WBA Power of Community Week, and Teach Children to Save Day. Each year, these initiatives remind me just how deeply rooted our member banks are in the communities they serve—not only as financial institutions but as active participants in making Wisconsin stronger.

During Power of Community week, WBA staff also rolled up their sleeves and volunteered at the Aldo Leopold Nature Center and Habitat ReStore of Dane County, contributing to projects that help preserve our environment and support affordable housing. In addition, our team organized a bake sale, raising over $300 for Second Harvest Foodbank, and collected much-needed items for The Road Home to assist families experiencing housing insecurity. With additional money from WBA, donations totaling $500 were made to The Road Home and Second Harvest Foodbank. These efforts reflect the same generous spirit of service we see across the state from member banks and their employees.

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Bankers with rakes and pitchforks spreading fresh wood chips across Aldo Leopold Nature Center
Bankers wearing Power of Community shirts at Habitat for Humanity ReStore of Dane County
Four women posing with various hygiene and cleaning products

While I take this opportunity to celebrate WBA staff contributions and volunteerism, I also want to extend my thanks and congratulations to all the banks across Wisconsin that participated in Power of Community Week — and to those that give back year-round. Whether it’s through supporting local nonprofits, hosting community events, or offering your expertise to help customers thrive, your commitment makes a tangible difference.

Always a popular and impactful initiative is Teach Children to Save Day, which saw increased engagement from bankers this year as they helped students develop lifelong financial skills. A record number of banks requested WBA’s Reading Raises Interest kits in 2025. This year’s featured book, “Rock, Brock and the Savings Shock,” was a hit with elementary students statewide and served as a fun and engaging way to introduce savings concepts at an early age.

As we look ahead, I encourage every bank that participates in financial education initiatives to complete the Financial Education Summary Forms available through the Wisconsin Bankers Foundation (WBF). In order to capture and celebrate the many ways bankers volunteer their time and expertise to foster financial literacy, the Foundation collects this information annually. These summaries help guide the work of both WBA and WBF staff, and importantly, they are shared with elected officials and community members to highlight the collective contributions of our industry. If your bank employees hosted a financial education presentation (between June 1, 2024, and May 31, 2025) encourage them to submit the forms by July 31.

By reporting your efforts, you help ensure that the value of financial education — and the essential role that bankers play in delivering it — is widely recognized and supported. Additionally, individual employees and your bank may be eligible for the Financial Education Awards from the Foundation.

Thank you again for your partnership and your commitment to powering communities throughout our state.

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Executive Letter: WBA Advocacy in Action — Protecting Mortgage Customers from Unwanted Solicitations

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

With the 119th Congress well underway, more legislation is getting introduced to help the industry and its customers. While WBA was in Washington D.C. a few weeks ago for the first of two Washington lobby trips, we spoke with our congressional delegation about the need for the “trigger lead” bill to be reintroduced this session. Later that week, the bipartisan Homebuyers Privacy Protection Act was introduced in both the Senate and House (S. 1467 and H.R. 2808) and is currently co-sponsored by Senator Baldwin and Rep. Bryan Steil respectively.

As a reminder, the Homebuyers Privacy Protection Act would amend the Fair Credit Reporting Act to eliminate abusive mortgage “trigger leads” and limit prescreened credit offers to consumers who consent or who have a preexisting relationship with a financial institution. Currently, the only way for a consumer to not receive these prescreened offers is by expressly opting out on each credit bureau’s website.

The Senate bill was introduced and immediately referred to the Senate Committee on Banking, Housing and Urban Affairs. The House bill was introduced and immediately referred to the House Financial Services Committee. Today, H.R. 2808 is being noticed as part of a House Financial Institutions Subcommittee hearing.

Since the beginning of last session, WBA has been lobbying for passage of this bipartisan legislation alongside ABA and ICBA. All bankers attending our Washington lobby trips over the last few years share stories about the incredibly high number of phone calls and text messages their mortgage applicants receive within hours of applying for a mortgage loan. These entities that have no relationship with the consumer are buying these trigger leads from the credit bureaus and immediately contacting your customers to lure them away from your bank. These calls have left customers confused and very upset, often believing that the bank has improperly shared their information.

To help banks warn their customers about the problem, WBA created model forms members may use to communicate this activity at the application stage which reiterates that the bank did not sell the customer’s information. You may obtain the forms from the WBA Best Practices Library located on the compliance resources section of the WBA website. The library is password protected. If you need the password, please contact WBA Legal at wbalegal@wisbank.com

WBA will be back in Washington D.C. with bankers in a few weeks in conjunction with ICBA’s Capital Summit where we will lobby on this legislation, among others, to get more Wisconsin co-sponsors added. Last session, several members of our delegation were co-sponsors. In addition, ICBA has a banker “call to action” on the trigger leads bill on its “Be Heard Grassroots Action Center” which can be accessed here: ICBA urges grassroots action on trigger leads. I encourage you to let your member of Congress know this is a critical issue for your bank’s customers!

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Executive Letter: Staying Ahead Together — New Member Resources on Emerging Industry Issues

From the Desk of Rose Oswald PoelsBy Rose Oswald Poels

Staying ahead of the curve is a constant priority for our industry — and it’s one the Association takes seriously. WBA is committed to evolving alongside you, offering timely programming that addresses the most pressing issues facing Wisconsin’s banks. Your input drives our work, and our latest offerings reflect both your concerns and your need for accessible, relevant resources.

On April 21st, WBA hosted Fraud Trends & Prevention Strategies, a free webinar presented by Paul Benda, Executive Vice President for Risk, Fraud, and Cybersecurity at the American Bankers Association. From the alarming rise in check fraud to the growing impact of artificial intelligence and deepfakes, Benda provided valuable insights and practical approaches to an increasingly complex threat landscape. His real-life example of the ease in which deep fake recordings can be created with the help of AI was chilling.

Not only did Benda trace the history and predict the trajectory of fraud, he shared how banks can stay one step ahead of bad actors by taking advantage of available resources and working cooperatively with other financial institutions. In addition to covering relevant data and best practices, Benda described advocacy efforts to mitigate fraud. In Wisconsin WBA saw several wins on that front in the last session and will continue to push for legislative change to protect customers.

Member feedback has been overwhelmingly positive. If you missed it — or would like your team to review the material — the recording and slides are available for members for the next 30 days. Please email wbaeducation@wisbank.com to request those resources.

Recognizing that fraud remains a top concern, WBA is expanding on this topic with a new WBA Fraud Summit, scheduled for June 3, 2025, in Wisconsin Dells. This in-person event will bring together industry experts and banking professionals to explore trends, share ideas, and identify strategies to strengthen fraud defenses. We hope members of your team will plan to attend. Click here to learn more and register.

Additionally, we are pleased to offer another no-cost educational webinar: Crypto in 2025: What You Need to Know, presented virtually on Thursday, May 8 from 10:00–11:00 a.m. CT. Brian Laverdure, ICBA’s SVP of Digital Assets and Innovation Policy, will provide a clear-eyed perspective of the regulatory outlook, the evolution of stablecoins, and emerging risks associated with crypto-related illicit finance. Click here for more details.

As always, I appreciate your engagement with WBA programs and services. Our education team is focused on delivering programming that meets your needs and supports your bank’s continued success.

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Madison, WI 53718

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