Montana
Viewpoint: Proposed law creates new risks for Montana businesses
Bruce Gillespie
Spring is typically a season of optimism. Entrepreneurs are opening new businesses, family farms and ranches are calving and planning for the next season, and existing small business owners are reviewing their finances and planning for growth.
However, at precisely this moment, Congress is considering legislation that would make those plans harder and riskier for Montana’s small businesses and agricultural producers. The Credit Card Competition Act (CCCA), also known as the Durbin-Marshall bill, may be marketed as pro-competition, but its real-world consequences would fall squarely on local businesses, farmers, ranchers, and the community banks they rely on.
We have seen before what happens when Washington underestimates the importance of these institutions. After the 2010 Durbin Amendment regulated debit card interchange fees, small banks were forced to roll back services or merge with larger institutions. The result was a steady erosion of community banking, particularly in rural states like Montana where alternatives are limited.
The Credit Card Competition Act threatens to repeat that mistake on an even larger scale.
Montana’s economy depends on relationship banking. In rural towns and small cities alike, smaller, community banks are often the only institutions willing to take the time to understand a seasonal business, a start-up operation, or a multigenerational farm. These lenders don’t just process transactions — they provide the credit that allows businesses to hire workers, buy equipment, and survive lean months. By decreasing the revenue small banks receive from credit card transactions, the Credit Card Competition Act does the exact opposite of what its name implies—it consolidates financial resources with larger banks and forces smaller, more local, lenders to limit credit access and cut services.
Research indicates that legislation like the CCCA would cost community banks billions of dollars annually in lost revenue. For Montana banks, that lost revenue would translate directly into fewer small business loans, tighter credit standards, and less flexibility for agricultural producers who depend on operating loans to get through the year.
Community banks are not a niche player in small business finance — they are the backbone. Nationwide, they provide the majority of small business credit and the vast majority of farm loans. In Montana, where agriculture, tourism, construction, and energy drive local economies, weakening community banks means weakening the businesses that sustain our state as a whole.
Analysts have warned that the CCCA would also make unsecured credit harder to access as banks respond by tightening eligibility requirements. For a new Montana business owner trying to finance inventory or payroll in January, or for a rancher seeking seasonal credit, that tightening could have catastrophic consequences. This comes at a time when Montana businesses are already navigating higher input costs, workforce challenges, and economic uncertainty.
Supporters of the CCCA promise savings by claiming that credit card fees would decrease, but what they don’t mention is that small businesses in rural states like Montana will get left in the dust with less available credit, and fewer choices.
As a state legislator, I believe that decisions made in Washington should strengthen — not undermine — the small businesses and farms that form the backbone of Montana’s economy. As we begin a new year defined by planning, investment, and opportunity, Congress should learn from past mistakes and reject the Credit Card Competition Act.
Senator Gillespie represents Senate District 9 in the Montana State Legislature.
Montana
Warm Memorial Day, afternoon storms to track across western Montana
Warm, dry weather continues today as high pressure remains in control. Record to near-record warmth is expected, with highs climbing into the 80s.
A cold front approaching the region will bring breezy winds and the threat of thunderstorms. Thunderstorms could begin as early as 1 to 2 p.m. in the southern Bitterroot Valley, then track north into west-central Montana between 4 and 6 p.m. Storms are expected to reach the Flathead Lake area around 5 to 6 p.m. The main impacts will be gusty outflow winds, frequent lightning, and small hail.
BE THE FIRST TO COMMENT
Unsettled weather is expected this week, with the daily threat of showers and storms. Temperatures will remain in the 70s across western Montana.
Showers Chances This Week
Montana
Montana’s Unsung State Park By Idaho’s Border Is A Remote Camping And Water Sport Retreat With Colorful Cliffs – Islands
The Bitterroot Mountains, with all their jagged peaks, alpine lakes, and sprawling forests, sweep along the border between Montana and Idaho for more than 160 miles. As you can imagine, the vistas around this stretch of the Rockies are incredible. Tucked into the “nose” of western Montana, right in the heart of the rugged range, Painted Rocks State Park is a prime spot to take it all in. This patch of wilds is on the smaller side — only about 23 acres – and a bit off the beaten path to dodge the foot traffic that some of the region’s more popular state parks get. That isolation is part of the appeal, along with all the colorful rocky cliffs that give the park its name.
The state park is full of granite and rhyolite outcroppings that are “painted” by vibrant swaths of lichens. The organisms – formed by symbiotic relationships between fungi and algae — coat the lofty cliffs in varying shades of orange, yellow, and green, adding a little pop of color to the craggy mountainscape. With virtually no cell service in the area, Painted Rocks State Park is an ideal place to unplug. Several remote campsites perched along the banks of its namesake watering hole, Painted Rocks Reservoir (also known as Painted Rocks Lake), make for a splashing water sport retreat.
Tackle the waters of Painted Rocks State Park
Painted Rocks State Park opened in the early 1960s, roughly 10 miles away from the Idaho border, as the crow flies, near Montana’s mountain town of Darby. But its accompanying reservoir was built a couple of decades before that. The lake was made by damming a portion of the West Fork of the Bitterroot River. Spanning more than 560 surface acres, the reservoir was initially intended to provide water to the surrounding farmlands. Although it’s used for irrigation and household purposes today, it’s also favored for its water-based recreational pursuits.
The lake has a boat launch and dock, so you can take your watercraft out for a relaxing cruise along the waters. You can also paddle the ripples in a kayak or canoe, or hop in for a little swim. Just be sure to read up on all of Montana’s boating regulations and other water safety rules before you head out. It’s also worth noting that the reservoir’s water levels can fluctuate, with Montana Fish Wildlife & Parks recommending that you hard-launch your vessels to prevent any damage.
Do a bit of wildlife watching as you coast along. The state park is home to a variety of native and migratory birds, from mountain bluebirds and pileated woodpeckers to sandhill cranes and yellow warblers. You may even be able to catch a glimpse of the rare harlequin duck, too. An array of larger animals roam the lands, including moose, elk, white-tailed deer, and bears. Bighorn sheep have also been known to roam around, as the mountain crawlers were reintroduced to the region in the 1980s after nearly going extinct due to unchecked hunting and disease. Cameras are worth keeping close at hand.
Get some shut eye along the banks of Painted Rocks Reservoir
Painted Rocks State Park sits at the southern end of the reservoir, where you’ll find the recreation area’s little campground, if you want to stay the night. There are about two dozen campsites hidden among the pine trees along the water near the boat launch. The camp spots can accommodate RVs, with back-in and pull-through sites available. Amenities are pretty limited – you’ll have to bring your own water, but there are on-site restrooms, picnic tables, and grills.
Since Big Sky Country doubles as big bear country — and we’re talking both grizzlies and black bears — be sure to properly bear-proof your campsite. There are lockers on hand if you don’t have a safe space to store your food, as well as bear-proof dumpsters for any garbage. The campground is open year-round, with the peak season usually ranging from late spring to the end of summer. If you opt to set up camp during the colder months, just keep in mind that the area gets quite a bit of snow in the winter. If you’d prefer a more luxurious lodging abode, Triple Creek Ranch, one of America’s best resorts, is only about a 30-minute drive away.
Montana
Montana Lottery Powerball, Lotto America results for May 23, 2026
The Montana Lottery offers multiple draw games for those aiming to win big.
Here’s a look at May 23, 2026, results for each game:
Winning Powerball numbers from May 23 drawing
04-16-41-48-66, Powerball: 26, Power Play: 2
Check Powerball payouts and previous drawings here.
Winning Lotto America numbers from May 23 drawing
05-16-24-32-41, Star Ball: 04, ASB: 03
Check Lotto America payouts and previous drawings here.
Winning Big Sky Bonus numbers from May 23 drawing
04-07-17-18, Bonus: 05
Check Big Sky Bonus payouts and previous drawings here.
Winning Powerball Double Play numbers from May 23 drawing
36-42-53-57-63, Powerball: 17
Check Powerball Double Play payouts and previous drawings here.
Winning Montana Cash numbers from May 23 drawing
08-09-10-19-32
Check Montana Cash payouts and previous drawings here.
Winning Millionaire for Life numbers from May 23 drawing
15-20-30-45-49, Bonus: 03
Check Millionaire for Life payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
When are the Montana Lottery drawings held?
- Powerball: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
- Mega Millions: 9 p.m. MT on Tuesday and Friday.
- Lucky For Life: 8:38 p.m. MT daily.
- Lotto America: 9 p.m. MT on Monday, Wednesday and Saturday.
- Big Sky Bonus: 7:30 p.m. MT daily.
- Powerball Double Play: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
- Montana Cash: 8 p.m. MT on Wednesday and Saturday.
- Millionaire for Life: 9:15 p.m. MT daily.
Missed a draw? Peek at the past week’s winning numbers.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Great Falls Tribune editor. You can send feedback using this form.
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