I have spent my career representing rural Alabama. I know firsthand what makes small towns thrive: strong families, hard work, and the ability to build something with the right tools and support. In districts like mine, that support often comes from our community banks.

Community banks are not just financial institutions; they are partners in growth. They help a young couple buy their first home. They make it possible for a farmer to purchase a new tractor. They offer a small business owner the loan needed to expand and hire a few more folks from the neighborhood. In rural communities, these banks are woven into the fabric of daily life, and our local economies rely on them.

But now, a dangerous loophole in the GENIUS Act threatens to pull the rug out from under these banks and by extens

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