NE LB717

Updates federal law reference dates from January 1, 2025 to January 1, 2026 throughout Nebraska's banking and finance statutes, including the Electronic Fund Transfer Act, Bank Secrecy Act, Securities Exchange Act, and other federal regulations

Adds "cybersecurity event" to the definition of emergency conditions that may affect financial institution operations under sections 8-1,124 to 8-1,129

Modifies digital asset depository institution requirements to allow chartering with lower capital and surplus requirements if the institution meets standards for a substantially similar federal charter, and clarifies that credit unions may operate as financial institutions for digital asset depository purposes

Removes the principal balance cap of twenty-five thousand dollars for installment loans, requiring only a minimum six-month loan term and interest rate above the maximum general rate allowed under section 45-101.03

Requires mortgage bankers and installment loan licensees to disclose to borrowers whether a refinance will provide a "net tangible benefit," such as lower interest rates, reduced payments, shorter amortization, or cash-out amounts exceeding closing costs