Lindsey Johnson, president of the Consumer Bankers Association, speaks during an industry conference in Las Vegas, on Monday, March 28, 2023. Johnson became president of the CBA in 2022, representing the trade and lobbying organization for the nation’s big retail banks like Bank of America, Wells Fargo, US Bank, PNC and others. Before she joined CBA, she was president of the trade association for the mortgage insurance industry. Consumer Bankers Association via AP