Bank Policies

With all the regulatory headaches looming in the coming months, your policies shouldn't be one of them. Alleviate the tedious task of developing bank policies from scratch.

These policies provide a quick reference with thorough, easy-to-read instructions to guide your bank through the policy development or revision process. There are more than 100 policies available, covering everything from compliance to lending and social media.

Using any standard word processor and following the instructions provided, you can quickly customize these policies to work for your bank. If amendments are made to the policy within 12 months of purchase, you will automatically receive the revised text necessary to keep your policy in compliance with regulatory expectations.


Automated Clearing House Crafted specifically for community financial institutions, the ACH Policy offers a comprehensive solution for establishing a robust framework governing Automated Clearing House (ACH) transactions. Aligned with the National Automated Clearing House (NACHA) rules and guidelines, this customizable Word document covers ACH responsibilities, compliance measures, and risk management concerns for both originating and receiving financial institutions. Learn More Policies ACH
FDIC Signage & Advertisement Requirements The FDIC has recently updated the requirements regarding FDIC insurance. As part of that update, all FDIC-insured institutions must have a policy regarding these FDIC requirements. Streamline compliance with FDIC signage and advertisement requirements using our FDIC Signage & Advertisement Requirements Policy. Tailored specifically for community banks, this customizable policy solution assists your institution in adhering to the latest FDIC regulations, including display guidelines for official signs and advertisement statements. Stay ahead of compliance challenges and protect your institution’s integrity. Learn More Policies Federal Deposit Insurance Corporation (FDIC)
Artificial Intelligence Governance Policy This policy offers guidance for directors, officers, and staff in effectively managing cyber risks in the context of artificial intelligence (AI). It addresses critical aspects, such as strategic planning, approval authority, acceptable use, incident response, and vendor management. Learn More Policies ICBA Education
Vendor Risk Management Provides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls, business resumption, and monitoring. Learn More Policies ICBA Education
Code of Conduct and Conflict of Interest Policy Guides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct. Learn More Policies ICBA Education
Current Expected Credit Loss Policy Designed to maintain an adequate methodology for complying with CECL. This policy cover the role of the Board and Management; an overview of the allowance for credit losses; the components of the primary allowance for credit loss and reporting and testing. Learn More Policies ICBA Education
SAFE Act Bank Policy Guides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations. Learn More Policies ICBA Education
Military Lending Act Bank Policy This policy outlines the objective of the Military Lending Act to extend protections to a broader range of closed-end and open-end products. Includes information on the MAPR, disclosure requirements, limitations and interpretations of the Department of Defense. Learn More Policies ICBA Education
Servicemembers Civil Relief Act Bank Policy This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney. Learn More Policies ICBA Education
Community Reinvestment Policy Sets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file. Learn More Policies ICBA Education
Appraisals and Evaluations Bank Policy Establishes guidelines to assist the bank in protecting its interest in real estate-related transactions. Includes appraiser and evaluator qualifications and selection, as well as the competency requirements. Learn More Policies ICBA Education
Environmental Risk and Liability Bank Policy Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements. Learn More Policies ICBA Education
Real Estate Settlement Procedures Act Policy Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution. Learn More Policies ICBA Education
Flood Insurance Policy Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures. Learn More Policies ICBA Education
Loan Workout Policy Establishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent with safe and sound lending practices and regulatory reporting requirements. Learn More Policies ICBA Education
Loan Review Policy Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training. Learn More Policies ICBA Education
Commercial Lending Policy Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements. Learn More Policies ICBA Education
Consumer Lending Policy Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions. Learn More Policies ICBA Education
Agricultural Lending Policy Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria. Learn More Policies ICBA Education
Credit Policy Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions. Learn More Policies ICBA Education
Fair Lending Policy Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact. Learn More Policies ICBA Education
Real Estate Lending Policy Covers in detail the general policies that apply to all real estate secured lending, portfolio diversification, notices, pricing, CRE, product structure, IORR, construction lending, development loans, and concentration management. Learn More Policies ICBA Education
Merchant Services Policy Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring. Learn More Policies ICBA Education
Quality Control System Policy Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review. Learn More Policies ICBA Education
Home Equity Lending Policy Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans. Learn More Policies ICBA Education
Secondary Mortgage Market Policy This policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the bank. Learn More Policies ICBA Education
Marijuana Business and MRB Lending Policy Establishes a prudent framework for financial institutions to responsibly conduct business with legal marijuana/cannabis businesses in their communities while acknowledging and mitigating the legal and regulatory risks posed by doing so. The Marijuana Business and MRB Lending Policy can be customized to fit the institution’s risk profile and line of business strategy and assures lending, compliance, and BSA/AML staff have access to necessary information that addresses the many marijuana/cannabis issues that must be understood, documented, and monitored. Includes a Due Diligence Checklist. Learn More Policies ICBA Education
Incident Response Plan Policy Lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a sample customer notification letter, and an incident response form. Learn More Policies ICBA Education
Unfair and Deceptive Credit Practices Policy Establishes procedures for receiving and handling consumer complaints. States the bank's intent to prevent unfair, deceptive or abusive acts or practices in connection with any transaction for a consumer financial product or service. Sets guidelines to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices. Policy template includes Review Procedures and Consumer Complaint Procedures. Learn More Policies ICBA Education
Right to Financial Privacy Policy Establishes limitations and duties regarding the release of information sought by government agencies. Learn More Policies ICBA Education
Regulation P: Consumer Privacy Policy Addresses the collection, use, and retention of customer information, including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining customer privacy in business relationships with third parties, and disclosure of privacy principles to customers. Learn More Policies ICBA Education
Fair Debt Collection Act Policy Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications. Learn More Policies ICBA Education
Safeguarding Customer Information Policy Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board. Learn More Policies ICBA Education
Identity Theft Prevention Policy (Red Flag) Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the final rules and guidelines implementing sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) including "red flag" guidance. Learn More Policies ICBA Education
Information Security Program Policy This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information. Learn More Policies ICBA Education
Disposal of Consumer and Customer Information Policy Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service. Learn More Policies ICBA Education
Do-Not-Call Policy Provides banks with guidance on complying with FTC and FCC regulations dealing with telemarketing practices. Covers federal Do Not Call Registry, internal lists, customers and non-customers, training, and retention periods. Includes a template for a Do Not Call Policy that you can give to individuals when they request a copy. Learn More Policies ICBA Education
Fair Credit Reporting Act Policy Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists. Learn More Policies ICBA Education
Litigation Risk Policy Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls. Learn More Policies ICBA Education
Management of Country Risk Policy Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country exposure reporting system, risk analysis, country risk ratings, exposure limits, and monitoring provisions. Learn More Policies ICBA Education
Liquidity Contingency Funding Plan Policy Provides a written contingency funding plan as required by Interagency Guidance on Funding and Liquidity Risk Management. Delineates strategies and actions addressing potential liquidity shortfalls in emergency situations. Includes identification of stress events, stress levels, early warning indicators, parameters for liquidity stress testing, sources of funds and funding strategies, lines of responsibility and communication, as well as a detailed crisis action plan. Learn More Policies ICBA Education
Liquidity Risk Management Policy Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin. Learn More Policies ICBA Education
Planning and Budgeting Policy Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget. Learn More Policies ICBA Education
Capital, Earnings, and Dividend Policy Provides a clear outline of the bank's goals and parameters for maintaining an adequate capital base, and states how the payment of dividends relates to those goals and parameters. Learn More Policies ICBA Education
Investment Policy Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local communities' credit/financing needs. Learn More Policies ICBA Education
Funds Management Policy Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints. Learn More Policies ICBA Education
Regulation F: Correspondent Banking Policy Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank and outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis. Learn More Policies ICBA Education
Electronic Banking Risk Management Policy Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk. Learn More Policies ICBA Education
Risk Management Policy Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee and risk management officer. Learn More Policies ICBA Education
Interest Rate Risk Policy Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats. Updated to reflect the current expectations of the regulators as outlined in FIL-2-2012 Supervisory Guidance: Interest Rate Risk Management. Major topics covered in the policy: Risk measurement methodologies Interest rate risk scenarios - rate shocks, risk components Risk parameters System maintenance - inputs and assumptions, system capabilities Assumption sensitivity analysis Risk management strategies Assignment of responsibilities Reporting Independent review and back-testing Learn More Policies ICBA Education
Social Media Policy and Guidelines Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media. Learn More Policies ICBA Education
Cybersecurity Policy Written to assist all affected directors, officers, and staff in understanding and managing cyber risks. Topics include threat intelligence, situational awareness, risk assessment, inventory log management and monitoring, strategic planning, incident response, change management, staffing, training, and vendor management. Learn More Policies ICBA Education
Technology Risk Management Policy Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency planning; and potential exceptions. Learn More Policies ICBA Education
Model Risk Management Policy Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and managed effectively. Learn More Policies ICBA Education
Internet and E-Mail Risk Management Policy Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers' privacy, procedures in the case of disruptions of bank operations, bank computers, terminals, software, and their electronic connections. Learn More Policies ICBA Education
Remote Deposit Capture Policy Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk. Learn More Policies ICBA Education
Pandemic Policy This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan. Learn More Policies ICBA Education
Emergency Preparedness and Disaster Recovery Policy Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing. Learn More Policies ICBA Education
Business Continuity Management Policy Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training. Learn More Policies ICBA Education
Bank Protection Act Policy Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures. Learn More Policies ICBA Education
Regulation GG - Unlawful Internet Gambling Policy Policy states how the bank will implement its compliance with Regulation GG and how it will identify and block, or otherwise prevent and prohibit restricted transactions. Learn More Policies ICBA Education
Regulation E: International Remittance Transfer Policy Act Provides guidance for those banks that will act as Remittance Transfer Providers. Dodd-Frank added consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries. The systems required by this regulation are intended to significantly improve the predictability of remittance transfers, as well as provide consumers with better information for comparison shopping. This policy is designed for those banks that will process more than 100 remittance transfers annually. Learn More Policies ICBA Education
Regulation E: Electronic Funds Transfer Act Policy Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution. Learn More Policies ICBA Education
Regulation CC: Expedited Funds Availability Act Policy Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds. Learn More Policies ICBA Education
Regulation DD: Deposit Account Terms, Disclosures, and Advertising Policy Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising. Learn More Policies ICBA Education
Regulation D: Reserve Requirements of Depository Institutions Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties. Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements. Learn More Policies ICBA Education
Money Services Businesses Policy This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance. Learn More Policies ICBA Education
Marijuana/Cannabis and MRB Policy This policy establishes the responsibilities and requirements for conducting banking activities for legal marijuana and cannabis businesses, including those Tier 2 and Tier 3 businesses that have a secondary or tertiary relationship with marijuana related businesses. Learn More Policies ICBA Education
Bank Secrecy and Anti-Money Laundering Policy Provides procedures as required by the regulatory agencies. Includes information on exempt persons, internal records, currency transaction reports, Office of Foreign Assets Control, Customer Identification Program and Customer Due Diligence, wire transfers, and anti-money laundering. Learn More Policies ICBA Education
Business and Travel Expense Policy Defines the general types of expenses the bank will incur; establishes the budgeting and operational procedures needed to implement the policy; and provides policy guidelines for travel and entertainment. Learn More Policies ICBA Education
Executive Officer Policy Defines the relationship between the board and executive management and between executive management and the bank's other personnel. Covers hiring practices, management succession, promotions, and salary administration. Learn More Policies ICBA Education
Charitable Contributions Policy Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy. Learn More Policies ICBA Education
Board of Directors Policy Designed to assist the board in recognizing and carrying out its duties and responsibilities for overall direction of the bank. Includes planning and budgeting, monitoring operations, overseeing business performance, training, committees, and code of conduct. Learn More Policies ICBA Education
Insider and Affiliate Credit Policy For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates. Learn More Policies ICBA Education
Pre-Employment Background Screening Policy Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184). Learn More Policies ICBA Education
Human Resources Policy Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee classifications, employee compensation, hiring practices, vacations, sick leave, family and medical leave, education, termination, and sexual harassment. Includes new employee orientation and training. Learn More Policies ICBA Education
CAN SPAM Policy Outlines the specific procedures when initiating electronic mail messages to any recipient with the primary purpose of communicating a commercial message, primarily emails whose purpose is to advertise or promote a commercial product or service, which includes website content. Learn More Policies ICBA Education
Work From Home Policy This policy is written to include both long-term and emergency situations for bank employees working at home or in a remote location, and addresses the determination and availability of employees, productivity issues, home office and equipment assessment, remote access considerations, safeguarding information, monitoring, and reimbursement considerations. A short-term telecommuting agreement is also included. Learn More Policies ICBA Education
I.T. Asset Lifecycle Policy Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer's plans for providing technical support and developing patches to correct any identified security vulnerabilities or operability issues. Learn More Policies ICBA Education
ADA Website Accessibility Accommodations Policy Addresses the need of the bank’s website to provide equal treatment to all its customers and the public under Title II of the ADA, the Rehabilitations Act of 1973, and Department of Justice (DOJ) web accessibility directives in accordance with Web Content Accessibility Guideline (WCAG) 2.0 Level AA and the United States Access Board’s Section 508 Standards. Learn More Policies ICBA Education
ADA General Accessibility Accommodations Policy Describes the bank’s intention to ensure that its services are accessible and accommodating to individuals with disabilities. Includes a policy statement; roles and responsibilities of bank board, executives, committees, and employees; grievance processes; and contact for inquiries, questions, assistance, and general information. Learn More Policies Compliance
Diversity, Equity, and Inclusion Policy Diversity and inclusion standards have been set and this policy assists a financial institution in defining how it will implement, monitor, and convey their standards in the hiring and promoting of employees and in dealing with suppliers. Includes a policy statement suitable for public sharing. Learn More Policies ICBA Education
Marketing Policy Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic limitations, and prohibited activities. Learn More Policies ICBA EducationMarketing
Branch Closing Policy Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services. Learn More Policies ICBA Education
Dormant Accounts Policy Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments. Learn More Policies ICBA Education
Cross-Selling of Products and Service Policy May be used as a freestanding policy or incorporated into your bank's broader-coverage marketing policy. Covers responsibilities for administering and overseeing the cross-selling program, participation and involvement, access and use of customer data for prospecting, compensation and incentives, elements for effective training and coaching, and quality assurance. Learn More Policies ICBA Education
Holding Company Policy Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company. Learn More Policies ICBA Education
Fixed Asset Management Policy Describes the responsibilities and processes utilized in the management of the bank's building, fixtures, furniture, and equipment. Learn More Policies ICBA Education
Safe Deposit Box Policy Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions and scope, responsibility, CIP, rental contracts, state law issues, customer and master keys, access, employee access, delinquency and termination, fees/charges, record keeping, insurance, audit, and policy review. Learn More Policies ICBA Education
Wire Transfer Policy Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on regulatory requirements, money laundering, and settlement by giving best practice examples. Learn More Policies ICBA Education
Sale of Nondeposit Investments Policy Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and circumstances of sales, disclosures and advertising, suitability, qualifications and training, compensation, fiduciary accounts, third-party arrangements, compliance and audit, exceptions to policy, and policy review. Learn More Policies ICBA Education
Bank Owned Life Insurance (BOLI) Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers. Learn More Policies ICBA Education
Overdrafts Policy Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting Learn More Policies ICBA Education
Internal Controls Policy Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system. Covers administrative, accounting, and operating controls. Learn More Policies ICBA EducationSubject Matter
Internal and External Audit Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and responsibilities of the auditor, the audit program, program effectiveness, external audit firms, and review of external audit. Learn More Policies ICBA Education
E-Sign Act Policy The E-Sign Act provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. E-Sign allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing, if the consumer has affirmatively consented to such use and has not withdrawn such consent. Learn More Policies ICBA Education
Electronic Data Processing Policy Outlines the basic standards required to meet all areas of the bank's data processing operations. Provides structure and guidance to management, establishes controls, and addresses outside vendors, program security, and documentation. Learn More Policies ICBA Education
Social Media Toolkit and Policy Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media. Learn More Policies ICBA Education
Compliance Management Policy This is an overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart. Learn More Policies ICBA Education
Home Mortgage Disclosure Act Reporting Policy Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public. Learn More Policies ICBA Education
Regulation B: Equal Credit Opportunity Act Policy Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting. Learn More Policies ICBA Education
Regulation Z: Regulation Z Suite This suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy, Consumer Credit Card Policy, and Appendix. Learn More Policies ICBA Education

Automated Clearing House

Crafted specifically for community financial institutions, the ACH Policy offers a comprehensive solution for establishing a robust framework governing Automated Clearing House (ACH) transactions. Aligned with the National Automated Clearing House (NACHA) rules and guidelines, this customizable Word document covers ACH responsibilities, compliance measures, and risk management concerns for both originating and receiving financial institutions.

Learn More

Policies

ACH

FDIC Signage & Advertisement Requirements

The FDIC has recently updated the requirements regarding FDIC insurance. As part of that update, all FDIC-insured institutions must have a policy regarding these FDIC requirements. Streamline compliance with FDIC signage and advertisement requirements using our FDIC Signage & Advertisement Requirements Policy. Tailored specifically for community banks, this customizable policy solution assists your institution in adhering to the latest FDIC regulations, including display guidelines for official signs and advertisement statements. Stay ahead of compliance challenges and protect your institution’s integrity.

Learn More

Policies

Federal Deposit Insurance Corporation (FDIC)

Artificial Intelligence Governance Policy

This policy offers guidance for directors, officers, and staff in effectively managing cyber risks in the context of artificial intelligence (AI). It addresses critical aspects, such as strategic planning, approval authority, acceptable use, incident response, and vendor management.

Learn More

Policies

ICBA Education

Vendor Risk Management

Provides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls, business resumption, and monitoring.

Learn More

Policies

ICBA Education

Code of Conduct and Conflict of Interest Policy

Guides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct.

Learn More

Policies

ICBA Education

Current Expected Credit Loss Policy

Designed to maintain an adequate methodology for complying with CECL. This policy cover the role of the Board and Management; an overview of the allowance for credit losses; the components of the primary allowance for credit loss and reporting and testing.

Learn More

Policies

ICBA Education

SAFE Act Bank Policy

Guides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations.

Learn More

Policies

ICBA Education

Military Lending Act Bank Policy

This policy outlines the objective of the Military Lending Act to extend protections to a broader range of closed-end and open-end products. Includes information on the MAPR, disclosure requirements, limitations and interpretations of the Department of Defense.

Learn More

Policies

ICBA Education

Servicemembers Civil Relief Act Bank Policy

This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney.

Learn More

Policies

ICBA Education

Community Reinvestment Policy

Sets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file.

Learn More

Policies

ICBA Education

Appraisals and Evaluations Bank Policy

Establishes guidelines to assist the bank in protecting its interest in real estate-related transactions. Includes appraiser and evaluator qualifications and selection, as well as the competency requirements.

Learn More

Policies

ICBA Education

Environmental Risk and Liability Bank Policy

Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.

Learn More

Policies

ICBA Education

Real Estate Settlement Procedures Act Policy

Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.

Learn More

Policies

ICBA Education

Flood Insurance Policy

Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.

Learn More

Policies

ICBA Education

Loan Workout Policy

Establishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent with safe and sound lending practices and regulatory reporting requirements.

Learn More

Policies

ICBA Education

Loan Review Policy

Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training.

Learn More

Policies

ICBA Education

Commercial Lending Policy

Learn More

Policies

ICBA Education

Consumer Lending Policy

Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.

Learn More

Policies

ICBA Education

Agricultural Lending Policy

Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria.

Learn More

Policies

ICBA Education

Credit Policy

Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.

Learn More

Policies

ICBA Education

Fair Lending Policy

Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact.

Learn More

Policies

ICBA Education

Real Estate Lending Policy

Covers in detail the general policies that apply to all real estate secured lending, portfolio diversification, notices, pricing, CRE, product structure, IORR, construction lending, development loans, and concentration management.

Learn More

Policies

ICBA Education

Merchant Services Policy

Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.

Learn More

Policies

ICBA Education

Quality Control System Policy

Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.

Learn More

Policies

ICBA Education

Home Equity Lending Policy

Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans.

Learn More

Policies

ICBA Education

Secondary Mortgage Market Policy

This policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the bank.

Learn More

Policies

ICBA Education

Marijuana Business and MRB Lending Policy

Establishes a prudent framework for financial institutions to responsibly conduct business with legal marijuana/cannabis businesses in their communities while acknowledging and mitigating the legal and regulatory risks posed by doing so. The Marijuana Business and MRB Lending Policy can be customized to fit the institution’s risk profile and line of business strategy and assures lending, compliance, and BSA/AML staff have access to necessary information that addresses the many marijuana/cannabis issues that must be understood, documented, and monitored. Includes a Due Diligence Checklist.

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ICBA Education

Incident Response Plan Policy

Lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a sample customer notification letter, and an incident response form.

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ICBA Education

Unfair and Deceptive Credit Practices Policy

Establishes procedures for receiving and handling consumer complaints. States the bank's intent to prevent unfair, deceptive or abusive acts or practices in connection with any transaction for a consumer financial product or service. Sets guidelines to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices. Policy template includes Review Procedures and Consumer Complaint Procedures.

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ICBA Education

Right to Financial Privacy Policy

Establishes limitations and duties regarding the release of information sought by government agencies.

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ICBA Education

Regulation P: Consumer Privacy Policy

Addresses the collection, use, and retention of customer information, including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining customer privacy in business relationships with third parties, and disclosure of privacy principles to customers.

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ICBA Education

Fair Debt Collection Act Policy

Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.

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ICBA Education

Safeguarding Customer Information Policy

Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board.

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ICBA Education

Identity Theft Prevention Policy (Red Flag)

Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the final rules and guidelines implementing sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) including "red flag" guidance.

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ICBA Education

Information Security Program Policy

This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.

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ICBA Education

Disposal of Consumer and Customer Information Policy

Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.

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ICBA Education

Do-Not-Call Policy

Provides banks with guidance on complying with FTC and FCC regulations dealing with telemarketing practices. Covers federal Do Not Call Registry, internal lists, customers and non-customers, training, and retention periods. Includes a template for a Do Not Call Policy that you can give to individuals when they request a copy.

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ICBA Education

Fair Credit Reporting Act Policy

Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.

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ICBA Education

Litigation Risk Policy

Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls.

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ICBA Education

Management of Country Risk Policy

Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country exposure reporting system, risk analysis, country risk ratings, exposure limits, and monitoring provisions.

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ICBA Education

Liquidity Contingency Funding Plan Policy

Provides a written contingency funding plan as required by Interagency Guidance on Funding and Liquidity Risk Management. Delineates strategies and actions addressing potential liquidity shortfalls in emergency situations. Includes identification of stress events, stress levels, early warning indicators, parameters for liquidity stress testing, sources of funds and funding strategies, lines of responsibility and communication, as well as a detailed crisis action plan.

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ICBA Education

Liquidity Risk Management Policy

Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin.

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ICBA Education

Planning and Budgeting Policy

Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget.

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ICBA Education

Capital, Earnings, and Dividend Policy

Provides a clear outline of the bank's goals and parameters for maintaining an adequate capital base, and states how the payment of dividends relates to those goals and parameters.

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ICBA Education

Investment Policy

Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local communities' credit/financing needs.

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ICBA Education

Funds Management Policy

Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.

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ICBA Education

Regulation F: Correspondent Banking Policy

Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank and outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis.

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ICBA Education

Electronic Banking Risk Management Policy

Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk.

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ICBA Education

Risk Management Policy

Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee and risk management officer.

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ICBA Education

Interest Rate Risk Policy

Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats.

Updated to reflect the current expectations of the regulators as outlined in FIL-2-2012 Supervisory Guidance: Interest Rate Risk Management.

Major topics covered in the policy:

Risk measurement methodologies
Interest rate risk scenarios - rate shocks, risk components
Risk parameters
System maintenance - inputs and assumptions, system capabilities
Assumption sensitivity analysis
Risk management strategies
Assignment of responsibilities
Reporting
Independent review and back-testing

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ICBA Education

Social Media Policy and Guidelines

Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media.

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ICBA Education

Cybersecurity Policy

Written to assist all affected directors, officers, and staff in understanding and managing cyber risks. Topics include threat intelligence, situational awareness, risk assessment, inventory log management and monitoring, strategic planning, incident response, change management, staffing, training, and vendor management.

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ICBA Education

Technology Risk Management Policy

Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency planning; and potential exceptions.

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ICBA Education

Model Risk Management Policy

Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and managed effectively.

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ICBA Education

Internet and E-Mail Risk Management Policy

Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers' privacy, procedures in the case of disruptions of bank operations, bank computers, terminals, software, and their electronic connections.

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ICBA Education

Remote Deposit Capture Policy

Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.

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ICBA Education

Pandemic Policy

This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.

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ICBA Education

Emergency Preparedness and Disaster Recovery Policy

Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.

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ICBA Education

Business Continuity Management Policy

Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training.

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ICBA Education

Bank Protection Act Policy

Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures.

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ICBA Education

Regulation GG - Unlawful Internet Gambling Policy

Policy states how the bank will implement its compliance with Regulation GG and how it will identify and block, or otherwise prevent and prohibit restricted transactions.

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ICBA Education

Regulation E: International Remittance Transfer Policy Act

Provides guidance for those banks that will act as Remittance Transfer Providers. Dodd-Frank added consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries. The systems required by this regulation are intended to significantly improve the predictability of remittance transfers, as well as provide consumers with better information for comparison shopping. This policy is designed for those banks that will process more than 100 remittance transfers annually.

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ICBA Education

Regulation E: Electronic Funds Transfer Act Policy

Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.

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ICBA Education

Regulation CC: Expedited Funds Availability Act Policy

Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.

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ICBA Education

Regulation DD: Deposit Account Terms, Disclosures, and Advertising Policy

Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising.

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ICBA Education

Regulation D: Reserve Requirements of Depository Institutions

Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties. Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements.

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ICBA Education

Money Services Businesses Policy

This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance.

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ICBA Education

Marijuana/Cannabis and MRB Policy

This policy establishes the responsibilities and requirements for conducting banking activities for legal marijuana and cannabis businesses, including those Tier 2 and Tier 3 businesses that have a secondary or tertiary relationship with marijuana related businesses.

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ICBA Education

Bank Secrecy and Anti-Money Laundering Policy

Provides procedures as required by the regulatory agencies. Includes information on exempt persons, internal records, currency transaction reports, Office of Foreign Assets Control, Customer Identification Program and Customer Due Diligence, wire transfers, and anti-money laundering.

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ICBA Education

Business and Travel Expense Policy

Defines the general types of expenses the bank will incur; establishes the budgeting and operational procedures needed to implement the policy; and provides policy guidelines for travel and entertainment.

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ICBA Education

Executive Officer Policy

Defines the relationship between the board and executive management and between executive management and the bank's other personnel. Covers hiring practices, management succession, promotions, and salary administration.

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ICBA Education

Charitable Contributions Policy

Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy.

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Board of Directors Policy

Designed to assist the board in recognizing and carrying out its duties and responsibilities for overall direction of the bank. Includes planning and budgeting, monitoring operations, overseeing business performance, training, committees, and code of conduct.

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ICBA Education

Insider and Affiliate Credit Policy

For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.

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ICBA Education

Pre-Employment Background Screening Policy

Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).

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ICBA Education

Human Resources Policy

Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee classifications, employee compensation, hiring practices, vacations, sick leave, family and medical leave, education, termination, and sexual harassment. Includes new employee orientation and training.

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ICBA Education

CAN SPAM Policy

Outlines the specific procedures when initiating electronic mail messages to any recipient with the primary purpose of communicating a commercial message, primarily emails whose purpose is to advertise or promote a commercial product or service, which includes website content.

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ICBA Education

Work From Home Policy

This policy is written to include both long-term and emergency situations for bank employees working at home or in a remote location, and addresses the determination and availability of employees, productivity issues, home office and equipment assessment, remote access considerations, safeguarding information, monitoring, and reimbursement considerations. A short-term telecommuting agreement is also included.

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ICBA Education

I.T. Asset Lifecycle Policy

Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer's plans for providing technical support and developing patches to correct any identified security vulnerabilities or operability issues.

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ICBA Education

ADA Website Accessibility Accommodations Policy

Addresses the need of the bank’s website to provide equal treatment to all its customers and the public under Title II of the ADA, the Rehabilitations Act of 1973, and Department of Justice (DOJ) web accessibility directives in accordance with Web Content Accessibility Guideline (WCAG) 2.0 Level AA and the United States Access Board’s Section 508 Standards.

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ICBA Education

ADA General Accessibility Accommodations Policy

Describes the bank’s intention to ensure that its services are accessible and accommodating to individuals with disabilities. Includes a policy statement; roles and responsibilities of bank board, executives, committees, and employees; grievance processes; and contact for inquiries, questions, assistance, and general information.

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Compliance

Diversity, Equity, and Inclusion Policy

Diversity and inclusion standards have been set and this policy assists a financial institution in defining how it will implement, monitor, and convey their standards in the hiring and promoting of employees and in dealing with suppliers. Includes a policy statement suitable for public sharing.

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ICBA Education

Marketing Policy

Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic limitations, and prohibited activities.

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ICBA EducationMarketing

Branch Closing Policy

Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services.

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ICBA Education

Dormant Accounts Policy

Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments.

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ICBA Education

Cross-Selling of Products and Service Policy

May be used as a freestanding policy or incorporated into your bank's broader-coverage marketing policy. Covers responsibilities for administering and overseeing the cross-selling program, participation and involvement, access and use of customer data for prospecting, compensation and incentives, elements for effective training and coaching, and quality assurance.

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ICBA Education

Holding Company Policy

Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company.

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ICBA Education

Fixed Asset Management Policy

Describes the responsibilities and processes utilized in the management of the bank's building, fixtures, furniture, and equipment.

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ICBA Education

Safe Deposit Box Policy

Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions and scope, responsibility, CIP, rental contracts, state law issues, customer and master keys, access, employee access, delinquency and termination, fees/charges, record keeping, insurance, audit, and policy review.

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ICBA Education

Wire Transfer Policy

Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on regulatory requirements, money laundering, and settlement by giving best practice examples.

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ICBA Education

Sale of Nondeposit Investments Policy

Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and circumstances of sales, disclosures and advertising, suitability, qualifications and training, compensation, fiduciary accounts, third-party arrangements, compliance and audit, exceptions to policy, and policy review.

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ICBA Education

Bank Owned Life Insurance (BOLI)

Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers.

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ICBA Education

Overdrafts Policy

Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting

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ICBA Education

Internal Controls Policy

Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system. Covers administrative, accounting, and operating controls.

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ICBA EducationSubject Matter

Internal and External Audit

Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and responsibilities of the auditor, the audit program, program effectiveness, external audit firms, and review of external audit.

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ICBA Education

E-Sign Act Policy

The E-Sign Act provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. E-Sign allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing, if the consumer has affirmatively consented to such use and has not withdrawn such consent.

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ICBA Education

Electronic Data Processing Policy

Outlines the basic standards required to meet all areas of the bank's data processing operations. Provides structure and guidance to management, establishes controls, and addresses outside vendors, program security, and documentation.

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ICBA Education

Social Media Toolkit and Policy

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ICBA Education

Compliance Management Policy

This is an overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart.

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ICBA Education

Home Mortgage Disclosure Act Reporting Policy

Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.

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ICBA Education

Regulation B: Equal Credit Opportunity Act Policy

Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.

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ICBA Education

Regulation Z: Regulation Z Suite

This suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy, Consumer Credit Card Policy, and Appendix.

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ICBA Education

Stay in Compliance

Top Bank Policies Community Bankers Have Been Ordering:

Marijuana/Cannabis & MRB Banking
Marijuana Business and MRB Lending
Pandemic
Flood Insurance
Capital, Earnings and Dividend
Collection, Workout, Charge-Off and Recovery
Reg CC: Expedited Funds Availability Act
Bank Secrecy & Anti-Money Laundering
E-Sign Act
Interest Rate Risk
Liquidity Management
Work From Home

To order online and view complete listing of policies and prices contact Community Banker University at 800-422-7285.

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