Dear Members – The NIBA was founded in June 1991. During the past 25 years, we have become known as the association who educates and speaks for the retail professional community. We have earned the respect of our regulators and our industry by participating in the rule- making process at both the CFTC and NFA, and submitting position papers on everything from ethics training requirements to increased transparency for FCM financial reports. As we enter our 25th Anniversary Year, NIBA will continue to represent your opinions. You will also see some changes. Originally, the NIBA’s membership was almost entirely made…