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Joint Letter Urging the Federal Reserve to Withdraw Debit Interchange Proposal

ICBA and other groups sent a letter to the Federal Reserve urging it to withdraw its 2023 debit interchange proposal until there is legal certainty in several court cases. ICBA and the other groups noted that:

  • The cases have conflicting rulings on the original Regulation II, making any final rulemaking on the 2023 proposal highly questionable.
  • Leaving the debit card market in limbo creates uncertainty for issuers, networks, and merchants.
  • Debit fraud remains the top fraud issue, according to the Federal Reserve’s 2024 Financial Institution Risk Officer Survey.

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  • Outdated thresholds force community banks to divert scarce resources to process an excessive volume of CTR and SAR filings, requiring costly technology systems,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

ACH Fraud Prevention and Nacha’s New Rules

NACHA’s phased updates to the ACH Risk Management Rules—rolling out through mid-2026—are reshaping how financial institutions detect, report, and respond to ACH payment fraud. This session breaks down what’s changed, what’s coming, and what it means for your institution. From expanded definitions of fraud to new monitoring requirements and return protocols, we’ll cover the operational, compliance, and strategic impacts for community banks. Whether you're updating existing controls or building new ones, this session will help you align with NACHA’s expectations and strengthen your payments fraud prevention framework. Learning Objectives: NACHA'S new Rules are designed to encourage all ACH participants to detect and prevent fraud. Learn what is expected of your organization. Understand strategies and hear ideas for complying with the new Rules as your financial institution prepares for implementation. Hear how implementing risk management strategies has stopped fraud at other financial institutions.   Duration: 75 minutes
Dec 17, 2025  | 
  • Webinar
  • Fraud

    Q4 Regulatory Compliance Updates (2025)

    The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.
    Dec 18, 2025  | 
  • Webinar
  • Compliance

    Introduction to Commercial Lending

    Commercial lending is one of banking’s most complex areas, requiring a clear understanding of the borrower, the purpose of the financing request, and the repayment source. Explore key elements of the lending process, including industry analysis, causes of cash shortfalls, financial statement review, loan structuring, negotiation strategies, and post-closing monitoring. Learning Objectives: Develop a foundational understanding of the commercial lending process. Identify key components of commercial lending, including loan types, underwriting criteria, and the role of financial statements. Gain insights into the industries served through commercial lending. Duration: 60 minutes Presented live and recorded on 1/6/26.
    Jan 6, 2026  | 
  • Webinar
  • Commercial Lending Lending

    ThinkTECH Accelerator Program 10

    Be a part of shaping the future of community bank innovation. Join us for a 3.5-hour session to hear from emerging banktech 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 impact bank solutions of the future. Crux Analytics  – Uses agentic business development workflows to support small business client acquisition, engagement, and retention.    Flatirons AI  – Leverages generative artificial intelligence to support bank operations to improve the bank’s overall compliance posture.    Investifi  – Provides digital investment services directly from the account holder’s checking account, bypassing third-party payment rails.    Onsetto  – A white label, AI powered platform that simplifies commercial account transitions to migrate accounts payments, receivables, and payroll systems.    Parlay   – A loan intelligence system designed to eliminate manual-intensive processes associated with small business and SBA lending intake.    Socratix Ai  – Builds secure, enterprise-grade AI agents that helps fraud and risk teams investigate alerts in real-time and deliver structured insights.    There are two ways to participate: Group sessions with other bankers (not from your bank) Private sessions with only members of your bank Become more efficient, competitive, and profitable by attending these sessions designed to make your bank more strategic and influence the bank solutions of the future. Two ways to participate: 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 seven-minute pitches from each of our six companies, with 15 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. 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. Duration: 3.5 hoursShow less
    Jan 12–Mar 4, 2026
    Fintech Innovation

    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

    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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    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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