landscape serving small businesses and households. Support minority depository institutions. It is crucial that minority-owned depository institutions (MDIs) have the legislative, regulatory and financial support they need to remain operational and profitable. Encourage community development financial institutions (CDFIs). The CDFI Fund's proposed revisions to the Certification Application and the Annual Certification would harm the low-income communities that CDFIs serve. ICBA urges legislation to block or amend this proposal. Extend expiring tax relief. ICBA is pushing for a permanent extension of the individual provisions of the Tax Cuts and Jobs Act, including the deduction for passthrough income (Section 199A), a top individual rate of no more than 37%, preferential tax rates for capital gains and an adequate estate tax exemption, before their scheduled expiration in 2026. Legalize banking services for legal cannabis-related businesses. ICBA supports legislation that would create a safe harbor from federal sanctions for financial institutions that serve cannabis-related businesses in states where cannabis is legal, giving them access to the traditional banking system. ICBA strongly opposes efforts to grant nonbank stablecoin issuers access to the Federal Reserve master account and the creation of any retail U.S. CBDC, which would directly compete with community bank deposits. Advisory as a Service Your Regulatory Complaince & Internal Audit Partner Come say hi to us at Booth 309 Aaron Stetter (aaron.stetter@ icba.org) is ICBA's executive vice president of advocacy and strategic engagement.