It makes sense to me, since it’s in chronological order. If you read the whole article, you get the whole and up-to-date picture. Also don’t forget the exemptio

It makes sense to me, since it’s in chronological order. If you read the whole article, you get the whole and up-to-date picture. Also don’t forget the exemption for banks with less than $10 billion in deposits - presumably that’s pretty relevant to a lot of his readership, given fintechs and how they partner with community banks on this.