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Joint Letter to Treasury Department on Raising SAR and CTR Thresholds

ICBA and its 44 state affiliates sent a letter to the Treasury Department urging it to raise the suspicious activity report and currency transaction report thresholds. ICBA and the affiliates said:

  • The current reporting thresholds, which haven’t been updated since 1972 (CTR) and 1992 (SAR), capture far more transactions than intended.
  • Outdated thresholds force community banks to divert scarce resources to process an excessive volume of CTR and SAR filings, requiring costly technology systems, extensive staff time for monitoring and reporting, and ongoing training.
  • Treasury should prioritize modernizing these thresholds by raising the CTR threshold to $30,000 and the SAR threshold to $10,000, which will significantly reduce unnecessary filings, deliver more actionable intelligence to law enforcement, and free community banks to focus resources on serving local businesses and families.


ThinkTECH Accelerator Program 10 Begins Soon

The Accelerator identifies and supports a variety of mission-driven, growth stage providers through a proven methodology that rapidly validates and helps shape emerging industry solutions.


Tell the Senate: Protect vital role of community banks in digital assets market structure legislation

Senators need to hear how your deposits support your community and why it is important they protect against deposit flight.

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Register Now for ICBA LIVE 2026! 

Join us March 6-9 in San Diego, CA for ICBA LIVE—the world's largest gathering of community bankers.

Whether you're an emerging leader or a seasoned executive, LIVE is your place to connect with industry peers, discover new solutions, and return home energized to lead with purpose.

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ICBA Events

ICBA Community Bank Briefing December 2025

Join ICBA experts for a quarterly update on industry news and highlights. The 60-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S. We want to hear from you; participants are encouraged to bring questions to the briefing as the ICBA experts will answer questions from community bankers during the Q&A session. Topics covered during the briefing include: Congressional Outlook Relief Legislation Digital Assets / Market Structure Ag / Rural America Issues /ACRE Grassroots Deposit Insurance BSA Fraud 1071/1033 Duration: 60 minutes Presented live and recorded on 12/09/25.
Dec 9, 2025  | 
  • Webinar
  • Advocacy Compliance

    Identity Theft: Social Engineering

    Identity theft is a growing threat, and criminals are increasingly targeting financial institutions to steal sensitive information and funds. This session will explore the tactics thieves use to gather information before contacting your institution and the specific details they seek. Learn how to recognize and respond to attempts to manipulate or deceive you, ensuring you can confidently determine if someone is a legitimate customer or a fraudster. Discover techniques to prevent social engineering and protect sensitive data from falling into the wrong hands. Learning Objectives: Understand the tactics criminals use to prepare and target your institution. Identify key questions to ask in order to spot potential scammers. Implement strategies to prevent and defend against social engineering attacks. Provide suggestions on developing a community education program. Duration: 90-minutes
    Dec 10, 2025  | 
  • Webinar
  • Information Technology Technology

    Staying CRA Exam Ready: Be Prepared, Stay Prepared

    The CRA exam isn’t just a one-time event. It takes ongoing preparation and analysis. From data scrubs to the exit meeting with your examiners, learn what your bank should do to be ready for the next CRA exam.
    Dec 11, 2025  | 
  • Webinar
  • ThinkTECH Solutions Forum – Cybersecurity

    You're invited to join ICBA Innovation and your fellow community bankers as we conclude our exciting fall series with the fourth and final ICBA ThinkTECH Solutions Forums of 2025. This time focused on cybersecurity. Focus: Cybersecurity - How banks are strengthening their defenses, protecting customer data, and building resilience against evolving threats. This 90-minute session spotlights how community bankers and bank technology partners who are approaching cybersecurity with smarter tools, stronger strategies, and a proactive mindset.  You'll explore real-world solutions, hear from experts, and gain insights into how technology can help safeguard your bank's operations and reputation. Whether you're looking to enhance your cyber posture, prepare for emerging risks, or build a culture of security across your organization, this session delivers actionable strategies to help your bank stay secure in a rapidly changing digital landscape. Beauceron: Enables banks to increase their cyber resiliency by empowering not only employees with better knowledge, but also customers, to reduce fraud losses. Finosec: A leading provider of automated cybersecurity governance solutions for financial institutions. Finosec helps banks streamline compliance, reduce risk, and enhance audit readiness through its innovative platform, including InfoSec Governance 360, User Access Reporting, and Vendor Governance. Jack Henry - Jack Henry’s Gladiator cybersecurity solutions are purpose-built for community banks, delivering smarter tools and stronger strategies to protect customer data and build resilience against evolving threats. They provide integrated security layers for real-time threat management, safeguard critical infrastructure, ensure data recoverability, and align technology with regulatory compliance.
    Dec 11, 2025  | 
  • Webinar
  • Cybersecurity Cybersecurity/Data Security

    Top Topics

    Discover the leading topics in community banking, highlighted by data on what matters most to bankers and expert insights from ICBA’s executives on emerging industry trends.

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    Fraud

    “Check fraud is a growing threat that puts your customers' financial security at risk—staying informed and implementing preventative measures is crucial for protecting your institution and upholding trust in the banking industry.”

    - Scott Anchin, Senior Vice President, Strategic Initiatives and Policy

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    Who We Are

    ICBA powers the potential of the nation’s community banks through effective advocacy, education, and innovation so that community banks can continue to strengthen, invest, and provide opportunities for the people and families in the communities they serve.

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    Amplifying Advocacy

    We champion community bank advocacy in Washington to ensure your voice is heard. 

    By working with our affiliated state banking associations and the nation’s community bankers, we have a proven track record of advancing and achieving pro-community bank policies and regulatory reform.

     

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    Elevating Education

    We provide high-caliber courses, live events, webinars, resources, certifications, and programs that power the potential of community bankers at all levels.

    By making learning personal, practical, fun, and community bank specific, we fuel individual, team, bank, and community prosperity.

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    Infusing Innovation

    We understand the challenges and opportunities that lay ahead for community banks. 

    Our innovation programming designed for community banks helps you navigate your innovation journey and remain profitable, efficient, and competitive. 

     

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