Frequency-domain 3D Electromagnetic modeling approaches always have the potential for causality and passivity violation issues, especially when applied to greater than 20Gbsec data rates applications: initial applications for 3D Electromagnetic modeling methods were only used in low bandwidth frequency-domain microwave designs. A new and inherently passive and causal time-domain oriented approach for 3D Electromagnetic modeling is introduced in detail. The authors show specific advantages of this approach for baseband-NRZ very high-speed backplanes, interconnects, and general board design for digital systems. Selecting the correct loss model will be included and the model results will be compared to actual measurements to 20 GHz using a test board specifically designed for this presentation.