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Joint Letter on Strengthening the Prohibition on Payment of Interest, Yield, or Rewards in Section 404 of H.R. 3633

ICBA and 44 state associations sent a letter to senators in advance of a markup of H.R. 3633, the Digital Asset Market Clarity Act of 2025. ICBA and the state groups said the legislation must create a robust and effective prohibition on payment of interest and yield, but the current text does not create a prohibition that adequately addresses the loss of credit availability to Main Street economies that would result from an outflow of community bank deposits.


Letter in Support of Financial Services Bills

Ahead of a House Financial Services Committee markup of various legislation, ICBA sent a letter to committee members expressing support for the AI PLAN Act (H.R. 2152), the GUARD Act (H.R. 2978), the Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act (H.R. 8278), and the Bank Fraud Technology Advancement Act (H.R. 8671). ICBA said these bills address some of the most significant challenges in American financial services and urged all members of the committee to vote YES on them.



House to vote on three ICBA-supported regulatory relief bills this week

Three ICBA-backed regulatory relief bills are expected to receive individual votes on the House floor this week.


ICBA Commends House Financial Services Committee for Advancing Main Street Capital Access Act

The Main Street Capital Access Act includes ICBA-supported provisions to tailor regulations to the lower risk profile of community banks, ease excessive capital requirements

New from ICBA Education: Digital Assets Webinar Series

Digital assets are influencing the future of finance, making this an ideal time for community banks to build their knowledge. This five-part webinar series equips community bankers with a fundamental understanding of digital assets, from basic concepts to strategic implications.

Get Started Find info and register for the webinar series

We’ve compiled data to help illustrate the reach and impact of community banks nationwide. Explore detailed state-by-state breakdowns for your area with our new interactive map.

We’re in San Diego this week to power the future of community banking. Bold ideas. Real strategy. Meaningful connections. It’s all happening right now.

Get a look into ICBA LIVE on LIVE TV and follow the conversation on social media using #ICBALIVE.

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ICBA Events

Disaster Preparedness

Winter Storm Warning, Hurricane Advisory, Tornado Watch — we’ve seen it all! And while the ACH Rules include a provision for Excused Delay, it’s no substitute for a robust, well-tested business continuity and disaster recovery plan. This session teaches you how Excused Delay is truly meant to be used, how to handle the return process, who to contact, and what absolutely must be included in your disaster recovery plan. Learning Objectives: Explain the purpose of Excused Delay and how it is intended to be used. Identify appropriate steps for handling the return process and determine the correct points of contact in the event of an interruption. Evaluate essential components that should be included in the disaster recovery strategy beyond reliance on Excused Delay. Duration: 90-minutes Presented live and recorded on 05/14/26.
May 14, 2026  | 
  • Webinar
  • Automated Clearing House (ACH)

    ThinkTECH Accelerator Program 11

    Be a part of shaping the future of community bank innovation. Join us for a 3.5-hour session to hear from emerging bank technology solutions poised to change the way your bank and its customers do business. Become more efficient, competitive, and profitable by attending these sessions designed to make your bank more strategic and shape the solutions of the future. 2026 Accelerator Program 11 Cohort Clox AI: Clox AI detects AI-generated and manipulated documents while automating workflow to identify tampering, forgery, and deepfakes. FinGoal: FinGoal offers an insights platform that enriches transaction data to build user profiles and deliver personalized, transaction-based calls to action. Payman AI: Payman AI embeds consumer, small business, and commercial AI agents directly into digital banking to safely initiate payments and execute workflows with policy controls, approvals, and audit trails. Swaystack: Swaystack offers a gamified onboarding platform that helps activate new accounts by driving funding, direct deposit, bill pay adoption, and more to win primary relationship status.  VaultRight: VaultRight modernizes branch operations with a secure, mobile‑ and web‑based platform that replaces paper processes and strengthens audit readiness. Warrant: Warrant offers an AI-powered marketing compliance and digital asset management system that automates regulatory checks, approval flows, and provides full audit trails. There are two ways to participate: Private sessions with only members of your bank Group sessions with other bankers (not from your bank). Please note: These will be open for registration at a later date. Session Formats: Individual Bank Visit Sessions: Attend a private session with only members of your bank. During this 3.5-hour time frame, you’ll meet privately with each of our six companies for 25 minutes: 15-minute pitch followed by 10 minutes of Q&A, ending each meeting with a five-minute break/discussion. You and your team will stay on the Zoom link provided in the invite for the entirety of your visit. ThinkTECH Thursdays Group Bank Visit Sessions:  Join a group session that includes bankers from across the nation. During this 3.5-hour time frame, you and a group of banks will hear fifteen-minute pitches from each of our six companies, with 10 minutes for group Q&A. You and your team will stay on the Zoom link provided in the invite for the entirety of your visit. Pricing: ICBA Members: $0 This is an exclusive member benefit and not available to nonmembers. Contact Information: For more information, contact lauren.vasquezi@icba.org . Duration: 3.5 hours
    May 18–Jul 24, 2026
    Fintech Innovation Fintech Regulation

    Navigating CRA: What Every Director Needs to Know

    Directors play a critical role in ensuring their institution meets Community Reinvestment Act (CRA) obligations. This session provides an essential overview of CRA requirements, the board’s responsibilities, and key strategies for effective oversight. Learn what regulators expect, how CRA performance impacts your institution, and practical steps to strengthen governance and compliance. Learning Objectives: Examine the details of the Community Reinvestment Act. Understand executive roles in CRA compliance. Identify strategies for effective oversight. Learn what regulators expect. Duration: 60-minutes Presented live and recorded on 05/19/26.
    May 19, 2026  | 
  • Webinar
  • Commercial Lending Community Reinvestment Act (CRA)

    Presenting with Confidence – for Banking Leaders Webinar

    Many leaders are expected to deliver high-impact presentations but face challenges with confidence, clarity, and engagement. This interactive webinar provides practical tools and checklists to strengthen your presentation skills, both in person and virtually. You’ll learn how to prepare effectively, connect with your audience, and deliver your message with confidence and impact. Key strategies will help you engage listeners, avoid common missteps, and present with greater authority. Through real-world examples and exercises you can practice on your own, you’ll gain techniques you can apply immediately. By the end of the session, you’ll leave with expert insights, practical tools, and renewed confidence to present like a leader. Learning Objectives: Learn how to plan and structure your presentation using a clear and effective preparation process. Discover techniques to engage and connect with your audience for greater impact. Apply key guidelines to deliver your message with clarity and confidence. Practice essential skills through hands-on exercises and real-world examples.   Duration: 90 minutes
    May 21, 2026  | 
  • Webinar
  • Leadership Learning & Development/Training

    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

    Topics ICBA is Watching

    Popular Topics Among Bankers

    About the Independent Community Bankers of America

    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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    Today's modern learner has only a fraction of their workweek available for training and professional development. This fast-paced way of life requires the delivery of learning opportunities through multiple channels to provide you convenience and flexibility.

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