Utah Bankers Association

The Utah Bankers Association (UBA), established in 1908, is the trade association for commercial banks, savings banks and industrial banks in Utah. It says it serves, represents and advocates for the interests of its members. It is an industry association, not a regulator or a consumer-advocacy group. About UBA

Membership and services

UBA's published eligibility admits FDIC-insured national, state, savings, thrift, savings-and-loan and industrial banks doing business in Utah, and its directory includes both Utah-based and national organizations. Membership does not show that a bank endorses every UBA position, and the directory is not a substitute for regulator records on charters, ownership, deposit insurance or assets. Bank membership directory · Our list of Utah-chartered banks

Affiliate membership is offered separately to otherwise eligible financial institutions without insured deposits in Utah. Affiliates receive member benefits but cannot vote or sit on the board. Affiliate membership

Its services include conferences, seminars, webinars, online courses, banking schools and leadership development, and it provides American Bankers Association training locally. Education

Endorsed vendors enter revenue-sharing agreements with UBA, which says the arrangements reduce its reliance on dues. The endorsements cover insurance, compliance, recruiting, payments and technology. An endorsement is a commercial relationship, not government approval. Endorsed vendors

Leadership

As listed on October 17, 2026. Source: UBA board.

An August 18, 2026 announcement lists these additional 2026–27 directors: Trevor Andersen (State Bank of Southern Utah), Brady Bagley (American Express), Jan Bergeson (Ally Bank), Bruce Bowman (Comenity Capital Bank), Ben Browning (Bank of Utah), Michael Ferguson (BMW Bank of North America), Amy Foulks (First Utah Bank), Terry Grant (Altabank), Kevin Krohn (U.S. Bank), Carson Lappetito (Sunwest Bank), Brian Milton (Thrivent Bank), Kisty Morris (Morgan Stanley Bank), Mark Packard (Central Bank), Nathan Paddock (Wells Fargo), Mori Paulsen (Bank of America Utah), Richard Rosenthal (Square Financial Services), Eric Schuppenhauer (SoFi), David Stahl (Hillcrest Bank) and Drew Yergensen (KeyBank). 2026–27 board announcement

The staff page names Sara Matute, executive vice president; Jackson Last, deputy chief of staff; Brian Comstock, communications and marketing director; and Beth Parker, education director. Staff

Legal identity and finances

UBA files with the IRS as a Section 501(c)(6) organization domiciled in Utah and formed in 1908. Members elect the governing body, and board-appointed officers manage operations. Form 990

Membership dues were about 75.2% of revenue. The filing's broad contributions category includes those dues; they are not charitable donations.

Part IX of the return reports $101,509 in fees for lobbying services by non-employees. Schedule C reports $121,509 in nondeductible lobbying and political expenditures under Section 162(e). These are separate fields that should not be added together, and neither is PAC spending. Both describe that fiscal year, not current balances.

The return was filed December 16, 2025. Full Form 990

Legislative and regulatory activity

UBA describes its advocacy as legislative work, engagement with regulators, a Bankers Day at the Legislature, Washington visits and grassroots meetings with lawmakers. Get involved

The state's lobbyist-by-principal lookup lists UBA lobbyist relationships going back years. On October 17, 2026, the records showed no end date for Christopher Bleak, Jodi Hart, Howard Headlee, Jackson Last, Alisha Rogers and Jeff Rogers; other relationships show ended or canceled dates. A record without an end date does not by itself show a current annual registration, so we have not stated a count of current UBA lobbyists. Lobbyist-by-principal lookup

Minutes of the Senate Business and Labor Committee for February 25, 2026 record Jackson Last of UBA speaking in favor of the second substitute of HB72, Criminal Use of Cryptocurrency Amendments, which the committee then passed out favorably. Committee minutes, page 5 · Utah bills

UBA's own 2026 tracker marks HB72 with an S and HB571, Immigrant Amendments, with an M. The tracker is a dated snapshot and does not show a bill's final status. 2026 legislative tracker

Policy positions

A September 19, 2025 joint comment by UBA, the National Association of Industrial Bankers and the Nevada Bankers Association asks for clearer and faster deposit-insurance application procedures, restored regional-office authority, and capital treatment matching similar insured banks after an industrial bank's first three years. It defends the industrial-bank parent-company framework. These are the commenters' recommendations; the FDIC hosting the letter does not mean the agency adopted them. Joint comment hosted by the FDIC

In an August 18, 2026 column, UBA president Howard Headlee argues for closing what he calls a loophole that lets payment stablecoins offer yield-like rewards, saying it could pull deposits from banks and reduce lending, and credits Sen. John Curtis for taking up the issue. Those are his arguments. Headlee's column

An August 25, 2026 announcement says 39 state bankers associations formed BankChain Alliance to build an industry-owned blockchain network, targeting a 2027 launch, with possible uses including tokenized deposits, stablecoins and settlement. UBA announcement The alliance's about page, checked October 17, 2026, says 40 states are represented and lists Headlee among its leadership. Neither page shows that the network has launched or that every UBA member bank takes part. BankChain Alliance

Political committees

UBA runs two political action committees that are separate from the association's operating finances above. It says only individuals may give to the federal UBA Action PAC, funded by member-bank executives, and that the UBA State PAC follows state election law in supporting candidates for Utah office. UBA PAC page

The FEC lists the committee as a qualified trade-association PAC registered in 2002. “Unauthorized,” in the FEC's terms, means not authorized by a candidate. The period above is the FEC's current reporting window, not 2026 alone. We have not verified the state PAC's totals. FEC committee overview

An earlier FEC advisory opinion addressed a proposed “Friends of Traditional Banking” communications project associated with UBA and its Action PAC. It does not describe the current structure or finances of any similarly named group. FEC Advisory Opinion 2011-14

Not yet verified

State PAC receipts, spending and recipients; a current count of UBA lobbyists or total lobbying spending; UBA's current corporate standing and any subsidiary; an audited member total; and BankChain participants or launch status. We will update this page as records are checked.