Bank Compliance Center

In today’s banking environment as soon as one big new regulation is implemented another pops up. ICBA’s compliance training opportunities and exceptional resources, online and offline, will help your community bank stay informed and one step ahead of the regulators.

Recent Compliance News



Feb 10, 2025 | NewsWatch Today
CFPB’s 1071 rule again paused by court in ICBA case

A U.S. court of appeals temporarily paused the Consumer Financial Protection Bureau’s 1071 small-business rule and extended its compliance deadlines until further notice, as advocated by ICBA.

Jan 22, 2025 | NewsWatch Today
ICBA thanks President Trump for rulemaking pause

ICBA thanked President Donald Trump for issuing an executive order freezing new rulemakings.

Jan 15, 2025 | NewsWatch Today
CFPB withdraws ICBA-opposed proposal on non-sufficient-funds fees

The Consumer Financial Protection Bureau withdrew its proposed rule to restrict the use of non-sufficient-funds fees, as advocated by ICBA.

Jan 2, 2025 | NewsWatch Today
Latest beneficial ownership update: Companies not required to file

The Financial Crimes Enforcement Network announced that, in light of a recent federal court order, reporting companies are not currently required to file beneficial ownership information, or BOI.

Upcoming Compliance Training

Compliance Question of the Week

Question: When may the federal government access a customer’s financial records?

ANSWER: 

In general, to obtain access to, copies of, or information contained in a customer’s financial records, a federal government authority, generally, must first obtain one of the following:

  • An authorization, signed and dated by the customer, that identifies the records, the reasons the records are being requested, and the customer’s rights under the act (section 3404)
  • An administrative subpoena or summons (section 3405)
  • A search warrant (section 3406)
  • A judicial subpoena (section 3407)
  • A formal written request by a government agency (to be used only if no administrative summons or subpoena authority is available) (section 3408) Details for each, may be found in annotated sections of Right to Financial Privacy Act.
Reference: Right to Financial Privacy: 12 USC chapter 35 3401

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.

Learn more & open the vault

Compliance Resources



Earn your Community Bank Compliance Officer Certification at the ICBA Compliance Institute

Compliance Graphic Square

To earn the Certified Community Bank Compliance Officer (CCBCO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam(s).

The ICBA Compliance Institute is built to meet the needs of seasoned professionals seeking the latest regulatory education and industry best practices as well as newer compliance officers seeking to gain a clear understanding of the fundamental concepts of each regulation.

Learn More