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

CFPB initiates review of credit card late fees

Jun 23, 2022 | NewsWatch Today
The Consumer Financial Protection Bureau issued an advance notice of proposed rulemaking to reopen CARD Act rules that regulate how much financial firms can charge in credit card late fees.

CFPB planning 1071 final rule by March 2023

Jun 23, 2022 | NewsWatch Today
The Consumer Financial Protection Bureau plans to issue a final rule implementing Section 1071 small-business reporting requirements by March 2023, according to a timeline released by the Office of Management and Budget.

Upcoming Compliance Training

Financial Crime: Part 2

The Who, What, When, Where, Why, and How of Fraud. This session is an update covering current fraud activity, types of fraud, and methodologies used by fraudsters that may affect your bank and customers. The session covers what makes victims vulnerable to fraudulent activity.

These crimes range from fairly simple operations like basic theft or fraud carried out by individuals or small groups to highly sophisticated rings seeking funding for criminal enterprises or terrorism.

Although financial criminals are often well-organized and persistent, community banks can take steps to educate and increase awareness to thwart any attempts.

Prosecution of Financial Crimes Learning Objectives:

  • Case Methodology
  • Evidence Gathering
  • Having the Case Prosecuted

Compliance Question of the Week

Question: Under the Unfair Deceptive or Abusive Act of Practices examination procedures, for a deceptive act or practice, what is meant by "representation, omission or practice that misleads or is likely to mislead the consumer?"


A representation, omission, or practice that actually misleads a consumer may be deceptive, but deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be deceptive if it is likely to mislead consumers. A representation may be an express or implied claim or promise and may be written or oral. It may be deceptive to omit information if the omitted information is necessary to prevent a consumer from being misled. 

An example of this was presented in a case brought by the OCC:  The OCC brought an action against a credit card issuer for advertising that its secured credit card product did not require submission of funds for a savings deposit in order to receive a card with a usable amount of available credit. However, the issuer failed to disclose that the deposit requirement and various fees would be charged to the card, so that the vast majority of applicants received little or no available credit. 

Reference:  CFPB Exam Manual V.2 October 2012.


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

Online Training

Online Training Plans - CBU

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Community Banker University offers a variety of online training options with courses that build knowledge and a strong foundation within key areas of the banking industry and professional development.

Prices vary by plan, check the plan comparison chart for more information!

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Online Training

Compliance Certificate Program

Online Certificates

The courses in the Community Banker Compliance Certificate Program are designed to give community bankers the knowledge and skills they need to become experts in regulatory compliance. The certificate program consists of four critical learning areas.

$499 / ICBA Members

$1,499 / Non-Members

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Compliance Working Papers

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One of the three elements of an effective compliance program is monitoring and corrective action. These compliance working papers are essential for monitoring your financial institution’s compliance with federal consumer compliance laws and regulations.

Initial Price
ICBA Member: $599
Nonmember: $799

Annual Digital Renewal
ICBA Member: $299
Nonmember: $399

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Compliance Deskbook and Bulletin Service

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The ICBA Compliance Deskbook is the industry’s premier resource for compliance information. Access regulations, important dates, agency guidance, questionnaires, and other resources in one place.

Initial Price
ICBA Member: $399
Nonmember: $549

Annual Digital Renewal
ICBA Member: $249
Nonmember: $349

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Bank Policies

Policy Products
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.
Click Learn More for Individual Pricing

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Bank Compliance Checkup Program

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The Bank Compliance Checkup Program provides a comprehensive system for on-going monitoring of your bank’s compliance with Deposit, Lending, Administrative and IT/Tech/Security regulations.

Initial Price:
ICBA Member: $395
Nonmember: $595

Annual Digital Renewal:
ICBA Member: $199
Nonmember: $399

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