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Joint Letter to Treasury Department on Raising SAR and CTR Thresholds

ICBA and its 44 state affiliates sent a letter to the Treasury Department urging it to raise the suspicious activity report and currency transaction report thresholds. ICBA and the affiliates said:

  • The current reporting thresholds, which haven’t been updated since 1972 (CTR) and 1992 (SAR), capture far more transactions than intended.
  • Outdated thresholds force community banks to divert scarce resources to process an excessive volume of CTR and SAR filings, requiring costly technology systems, extensive staff time for monitoring and reporting, and ongoing training.
  • Treasury should prioritize modernizing these thresholds by raising the CTR threshold to $30,000 and the SAR threshold to $10,000, which will significantly reduce unnecessary filings, deliver more actionable intelligence to law enforcement, and free community banks to focus resources on serving local businesses and families.


ThinkTECH Accelerator Program 10 Begins Soon

The Accelerator identifies and supports a variety of mission-driven, growth stage providers through a proven methodology that rapidly validates and helps shape emerging industry solutions.


Tell the Senate: Protect vital role of community banks in digital assets market structure legislation

Senators need to hear how your deposits support your community and why it is important they protect against deposit flight.

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Register Now for ICBA LIVE 2026! 

Join us March 6-9 in San Diego, CA for ICBA LIVE—the world's largest gathering of community bankers.

Whether you're an emerging leader or a seasoned executive, LIVE is your place to connect with industry peers, discover new solutions, and return home energized to lead with purpose.

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ICBA Events

ICBA Community Bank Briefing December 2025

Join ICBA experts for a quarterly update on industry news and highlights. The 60-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S. We want to hear from you; participants are encouraged to bring questions to the briefing as the ICBA experts will answer questions from community bankers during the Q&A session. Topics covered during the briefing include: Congressional Outlook Relief Legislation Digital Assets / Market Structure Ag / Rural America Issues /ACRE Grassroots Deposit Insurance BSA Fraud 1071/1033 Duration: 60 minutes Presented live and recorded on 12/09/25.
Dec 9, 2025  | 
  • Webinar
  • Advocacy Compliance

    Making the Most of Your ICBA Membership

    Time: 2:00 pm Eastern | 1:00 pm Central | 12:00 pm Mountain | 11:00 am Pacific Length: 60 Minutes Presenter: Kathy Gauger, Director, Member Relations, ICBA; Nicole Neumann, Manager, Member Relations; Chris Gully, Manager, Member Relations; Emily Salber, Manager, Member Relations Want to meet ICBA? We want to meet you too! We encourage you and your colleagues to join us for an informative and interactive webinar. You’ll learn how to make the most of your new ICBA membership by taking full advantage of all the benefits ICBA has to offer. As part of the ICBA member orientation (www.icba.org/orientation) program, this webinar is hosted on the second Tuesday of every month at 2:00 p.m. ET. We encourage you to ask questions and see what ICBA resources are available for you and your community bank team. The presentation will cover: advocacy and grassroots efforts educational offerings and events solutions and innovation opportunities: service provider relationships and ICBA-exclusive services news, publications, and marketing and communication materials to help your bank share its unique story For more information, call Kathy Gauger at 320-352-7326.
    Dec 9, 2025  | 
  • Webinar
  • Advocacy Fintech Innovation

    Identity Theft: Social Engineering

    Identity theft is a growing threat, and criminals are increasingly targeting financial institutions to steal sensitive information and funds. This session will explore the tactics thieves use to gather information before contacting your institution and the specific details they seek. Learn how to recognize and respond to attempts to manipulate or deceive you, ensuring you can confidently determine if someone is a legitimate customer or a fraudster. Discover techniques to prevent social engineering and protect sensitive data from falling into the wrong hands. Learning Objectives: Understand the tactics criminals use to prepare and target your institution. Identify key questions to ask in order to spot potential scammers. Implement strategies to prevent and defend against social engineering attacks. Provide suggestions on developing a community education program. Duration: 90-minutes
    Dec 10, 2025  | 
  • Webinar
  • Information Technology Technology

    Staying CRA Exam Ready: Be Prepared, Stay Prepared

    The CRA exam isn’t just a one-time event. It takes ongoing preparation and analysis. From data scrubs to the exit meeting with your examiners, learn what your bank should do to be ready for the next CRA exam.
    Dec 11, 2025  | 
  • Webinar
  • Top Topics

    Discover the leading topics in community banking, highlighted by data on what matters most to bankers and expert insights from ICBA’s executives on emerging industry trends.

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    Fraud

    “Check fraud is a growing threat that puts your customers' financial security at risk—staying informed and implementing preventative measures is crucial for protecting your institution and upholding trust in the banking industry.”

    - Scott Anchin, Senior Vice President, Strategic Initiatives and Policy

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    Who We Are

    ICBA powers the potential of the nation’s community banks through effective advocacy, education, and innovation so that community banks can continue to strengthen, invest, and provide opportunities for the people and families in the communities they serve.

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    Amplifying Advocacy

    We champion community bank advocacy in Washington to ensure your voice is heard. 

    By working with our affiliated state banking associations and the nation’s community bankers, we have a proven track record of advancing and achieving pro-community bank policies and regulatory reform.

     

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    Elevating Education

    We provide high-caliber courses, live events, webinars, resources, certifications, and programs that power the potential of community bankers at all levels.

    By making learning personal, practical, fun, and community bank specific, we fuel individual, team, bank, and community prosperity.

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    Infusing Innovation

    We understand the challenges and opportunities that lay ahead for community banks. 

    Our innovation programming designed for community banks helps you navigate your innovation journey and remain profitable, efficient, and competitive. 

     

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