Community Bank Compliance

In today’s banking environment as soon as one big new regulation is implemented another pops up. Our compliance resources help your community bank stay one step ahead of the regulators.

Regulations and Guidance

Recent Compliance News

FINBOA Welcomes Oconee Federal Savings and Loan

Aug 20, 2020 | Industry News From Corporate Members
Oconee Federal Savings and Loan will join a growing number of community banks nationwide who have chosen FINBOA to transform the management of Reg E compliance.

FinCEN issues FAQs on customer due diligence

Aug 4, 2020 | NewsWatch Today Article
The Financial Crimes Enforcement Network issued responses to three frequently asked questions regarding customer due diligence requirements for covered financial institutions.

CFPB posts new HMDA FAQs

Jul 31, 2020 | NewsWatch Today Article
The Consumer Financial Protection Bureau released new frequently asked questions on the Home Mortgage Disclosure Act.

Compliance Events

Annual Current Issues/Certification Conference*

Nov 14, 2018
This four-day, live-streamed conference focuses on key issues and trends related to auditing, BSA/AML, regulatory compliance, security and fraud, and offers the very latest information, tools, best practices, and training to assure that you are up-to-date and compliant. Attend one day or all four!

Virtual Compliance Institute - Fall

Sep 17, 2020
From Reg Z to UDAAP, receive a comprehensive analysis of each regulation including practical applications of how these regulations affect your daily operations.Earn your Certified Community Bank Compliance Officer designation.
Compliance Vault

The ICBA Compliance Vault is now available as a member benefit to all ICBA members.

The Compliance Vault is a reliable search tool that helps you find answers to your regulatory compliance questions, with access to over 2,500 Q&As, select online courses, and documents. Find up-to-date answers about topics from across the compliance spectrum.

Learn more & open the vault

Compliance Question of the Week

QUESTION: If the bank issued an unsolicited access device and the device is used for unauthorized transfers, is the consumer responsible?


A bank may not impose liability on a consumer for unauthorized transfers involving an unsolicited access device until the device becomes an "accepted access device" under the regulation. A card and PIN combination may be treated as an accepted access device once the consumer has used it to make a transfer.

Reference: Official Staff Interpretation 1005.5(b), comment 2.