This week’s guest on Open Mic is Ed Elfmann, Senior Vice President for Ag and Rural Banking Policy with the American Bankers Association. Rural bankers are cautiously optimistic as they face a challenging agriculture economic climate in the year ahead. In this week’s interview Elfmann addresses the impact of higher interest rates on farm loans, identifies priority issues within the new farm bill and outlines unique regulatory hurdles rural bankers must endure to serve farmers, businesses and individual in communities across the country.