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ICBA Education offers a variety of educational publications and digital tools to help your bank and its employees succeed in a variety of industry topics.
2023 CRA Final Rule - Comprehensive Summary
ICBA released a comprehensive summary of the recently released interagency final rule to reform Community Reinvestment Act regulations. The new summary recaps the new rule’s coverage, assessment areas, new tests, community development credit, recordkeeping requirements, and more. Learn MorePublicationsICBA Education |
2023 CRA Final Rule - High Level Summary
ICBA released a high-level summary of the recently released interagency final rule to reform Community Reinvestment Act regulations. This four-page summary breaks down the nearly 1,500-page rule for banks that qualify under the small, intermediate, and large bank asset thresholds. It also details the new retail lending test and rules on assessment areas. Learn MorePublicationsICBA 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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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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Agricultural Lending Policy
Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria. PoliciesICBA 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.
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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. PoliciesICBA Education |
Audit Working Papers
With the Audit Working Papers you can establish strong audit procedures to help support your bank's internal control environment and mitigate institution risk. Ensure a complete and comprehensive cross-departmental audit scope with this customizable resource that can be scaled to fit the size, complexity, and risk profile of your bank. Learn MoreSubscriptionsAuditingICBA 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 MorePoliciesACH |
Bank Compliance Check Up
The Bank Compliance Check Up Program provides a comprehensive system and checklists for monitoring and determining the bank’s compliance with deposit, lending, administrative regulations, and other banking laws. Also included are over 40 training agendas and quizzes! Learn MoreSubscriptionsICBA Education |
Bank Director Bible - PDF
The Bank Directors’ Bible (4th Edition, 2023) provides industry best practices, insights into issues encountered by community bank directors in today’s environment and how to effectively serve on community bank boards of all sizes. Learn MorePublicationsICBA Education |
Bank Director Glossary - Third Edition 2022 Searchable PDF
Bank Director Glossary includes more than 200 pages of customary terms used by regulators, executive officers, industry consultants, and attorneys. Presented alphabetically with clear and to the point definitions, this valuable reference guide is a must have for any community bank director or officer. Learn MorePublicationsICBA Education |
Bank Director Video Series
The Bank Director Video Series features 7 different presentations that vary from 14-20 minutes in length. These can be used during board meetings, for annual training, new director training or topic refreshers. Learn MorePublicationsICBA 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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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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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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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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Boardroom Strategies For Financial Institutions
Boardroom Strategies for Financial Institutions focuses on the relationships among board members and how to be effective inside the boardroom. It is a must have for new and experienced board members. This book is a companion book to The Ultimate Guide for Bank Directors, Revised Edition. Learn MorePublicationsICBA Education |
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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BSA/AML Video Training Series
The BSA/AML Video Training Series features 5 different presentations customized to provide job specific training for every member of your bank staff including Senior Management and Directors. This live action series contains fresh content, best practices,
the latest hot topics in BSA/AML, and is everything your bank needs to comply with the annual training requirements. DigitalICBA 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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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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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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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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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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Check Fraud: A Practical Guide to Altered, Forged, and Counterfeit Checks for Community Bankers
This guide is a resource to help ICBA members both minimize the incidents of check fraud related to altered, forged, and counterfeit checks and take appropriate steps to recover funds or otherwise minimize loss, when it does occur. This publication is for general information purposes and is not intended to be, and should not be taken as, legal advice. The information in this publication is current as of March 2024. The guide explains how the laws and regulations governing checks assign liability for check fraud to individual banks involved in the issuance, transmittal, and receipt of checks. In addition, it lists various defenses a bank may raise to avoid liability for check fraud. To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud either here, or with the download button on this page. Please note, this is a ICBA Member-only guide and you must be logged in to view it. Learn More PublicationsWhite PapersICBA Education |
Check Fraud: Detection Mechanisms
Understand the potential technology solutions and operational mechanisms that are available to community banks to detect instances of check fraud. This is a reference for community banks to evaluate tools and leverage internal practices to identify and prevent check fraud. To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud here. Please note, this is a ICBA Member-only guide and you must be logged in to view it. PublicationsWhite PapersICBA Education |
Check Fraud: Engagement With Federal Bank Regulators
This guide was developed by community bankers working together as part of ICBA’s Check Fraud Task Force. This document offers suggestions on when to contact regulators, how to frame feedback, and where to direct your communication based on the experiences of peer community bankers. It's for general information purposes only and is not intended to be, and should not be taken as, legal advice, an endorsement of any specific company or product, or a comprehensive treatment of the subject matter. Please follow internal bank operating procedures and policies and consult with legal counsel for specific questions. To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud here. Please note, this is a ICBA Member-only guide and you must be logged in to view it. PublicationsWhite PapersICBA Education |
Check Your Ad
The Check Your Ad Program takes the guesswork out of determining the appropriate requirements for deposit and lending advertisements so that you can ensure your advertisements are compliant before an auditor or examiner finds a violation. Learn MoreSubscriptionsICBA EducationMarketing |
Climate Change Regulation on Community Banks Report
This white paper demonstrates that community banks are experts at monitoring the risk of their lending and investment portfolios and do not need more regulation to manage their potential climate risks. ICBA will oppose any climate risk regulation that adversely impacts community banks and their ability to support their communities and customers. Learn MorePublicationsWhite PapersICBA 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.
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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.
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Community Bank Perspective on the Bureau of Consumer Financial Protection
The Independent Community Bankers of America (ICBA) commends the Bureau of Consumer Financial Protection (BCFP) for initiating a wholistic review of its operations, and inviting dialogue and the pursuit of innovation through the publication of 12 requests for information (RFI). ICBA responded to each RFI with the hope that the bureau uses the comments to reorient itself and focus on what it was intended to accomplish: facilitating greater consumer choice and efficient markets, while still vigorously enforcing consumer financial law in a way that guarantees due process. This paper is a summary of ICBA’s response to each RFI. Learn MorePublicationsWhite PapersICBA Education |
Community Bank Regulatory Relief: A Roadmap to Economic Growth & Prosperity
Community banks have served as America’s engines of local economic growth since our nation’s founding, and the United States remains the only country in the world served by a broadly based, vibrant community banking sector. As our economy and financial system continue to evolve, community banking must be preserved and strengthened. The empowerment of community banks is a sure route to rekindling America’s economic vitality. Today we have an opportunity to comprehensively rethink, restructure, and modernize the regulation of the American financial services industry to ensure that it promotes economic growth, prosperity, and job creation. Regulatory relief for community banks is a critical part of this effort. The purpose of this paper is to describe what is unique about American community banks, survey the regulatory environment in which they operate, identify regulatory barriers, and recommend solutions that will allow them to serve as engines of economic growth and prosperity for generations to come Learn MorePublicationsWhite PapersICBA 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.
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Compliance Acronym Quick Reference Guide
This compliance acronym reference guide will allow you to quickly parse out the abbreviations that can at times become confusing. Learn More PublicationsICBA Education |
Compliance Deskbook and Bulletin Service
The Compliance Deskbook is a compliance officer’s one-stop-shop for accessing compliance regulations, important dates, agency guidance, questionnaires, updates, and other resources. Learn MorePublicationsICBA 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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Compliance Working Papers
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. Learn MoreSubscriptionsICBA Education |
Consumer Lending Policy
Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.
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Core Processor Resource Guide
A community bank’s core processor should be a strategic partner that supports the bank’s long-term business objectives. The ICBA Core Processor Resource Guide will help community banks with some of the more important aspects of managing this relationship to maximize the return on their technology investments. Learn MorePublicationsWhite PapersICBA Education |
Credit Policy
Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.
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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. PoliciesICBA 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 MorePoliciesICBA 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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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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PoliciesICBA Education |
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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Do They Know They’re Tax Exempt?
Credit unions have fallen short in fulfilling the terms of their original mandate, which once warranted a lucrative tax subsidy. This sentiment is felt by many individuals and organizations across the financial services industry but has failed to reach Washington policymakers in the form of equitable policy resolutions that persuade credit unions to return to their governing principles. Credit unions were not intended to act as an alternative to banks but to complement their activities through offering safe and subsidized financial services to a specific clientele of financially underserved individuals. Instead, credit unions have deviated from this mandate by competing for the same customers as regular for-profit banks at the expense of these vulnerable communities while engaging in high-risk operating practices that have etched away at their once distinctive niche in the world of financial services. If credit unions cannot abide by their original mandate deserving of a tax subsidy, then taxpayers are financing an unequal playing field that leaves behind the financially underserved, cheats federal and state tax authorities, and unfairly disadvantages legitimate for-profit institutions like community banks. Learn MorePublicationsWhite PapersICBA 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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Dormant Accounts Policy
Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments.
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