2013 Policy Resolutions

These ICBA resolutions, approved by the Policy Development Committee and the Board of Directors, broadly describe the association’s major policy objectives for 2013-2014.  They also describe association products, services and programs that help keep community banks strong and competitive.  These resolutions are designed to provide policy guidance for ICBA officers and staff, and general policy direction for standing committees, councils and task forces.
 
These resolutions reflect ICBA's core principles:  Community banks support fair competition in financial services; support the separation of banking and commerce; believe in a balanced financial system that does not favor any segment of the financial services sector; support the dual banking system; and oppose the concentration of economic and financial services resources.  Community banks create symbiotic relationships with the communities they serve; favor local decision making while adhering to the highest business practices and ethical standards; and support a democratically governed association where each member bank has a voice and a vote.

ICBA PRIORITIES FOR 2013

• Risk Based Capital Rules; Basel II & III
• Mortgage Lending Reform
• Mortgage Servicing  
• Community Bank Regulatory Relief
• Tax Exempt Credit Unions 
• Consumer Financial Protection Bureau
• Fair Lending
• Farm Credit System
• Exam Environment
• GSE Secondary Market Reform
• Tax Policy
• Systemic Risk / Supervision / Resolution Authority 
• Accounting/Auditing

TRACK I: LEGISLATION AND REGULATION

Safety and Soundness

• Deposit Insurance
• Municipal Advisor Registration 
• Bank Secrecy Act and Enforcement 
• Correspondent Banking

Consumer and Compliance

• Overdraft Coverage Services
• Data Security and Fraud 
• Financial Education and Affordable, Small Dollar Financial Products for Unbanked and Underserved Individuals

Payments and Technology

• Payment Cards
• Payments Systems Access and Governance 
• Technology 
• Remittance Transfers

Banking and Financial Structure

• Dual Banking System; Regulatory Choice
• The Federal Home Loan Bank System
• Publicly Held Community Banks and the SEC
• Mutual and Savings Institutions 
• Separation of Banking and Commerce

Economic and Community Development

• Covered Bonds
• Farm and Rural Safety Net 
• Minority Banks
• Small Business Lending 

Strengthening Our Political Voice

• Strengthening Membership 
• Independent Community Banker Political Action Committee 
• Community Banker Representation 
• State and Regional Partner Associations Affiliated with ICBA 

TRACK II: PRODUCTS AND SERVICES

• Increasing Community Bank Competitive Advantage

TRACK III: EDUCATION AND COMMUNICATION

• ICBA Bank Education 
• Information Resources