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Is your bank contemplating a new project to obtain strategic IT capabilities? Don’t know where to start? Weighing the pros and cons of IT outsourcing can be stressful.
Use this interactive quiz to evaluate your bank’s unique circumstances, the risks and regulatory requirements, and balance these considerations against the advantages of outsourcing your key IT capabilities.
Additional information is available in the IT Outsourcing white paper.
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.
Is your bank contemplating a new project to obtain strategic IT capabilities? Don’t know where to start? Visit our technology advocacy page for useful resources and documents.
Learn how to better optimize your core processor relationship with this member-exclusive webinar recorded April 14, 2021.
Title | Recipient | Date |
|---|---|---|
| ICBA Letter on AI Action Plan | 03/12/25 | |
| Letter in Response to Agencies’ RFI on Bank-Fintech Relationships | OCC | 10/30/24 |
| ICBA sends comments to the Treasury on AI | Treasury Department | 08/12/24 |
| ICBA signs joint letter to regulatory agencies requesting extension of commenting period on bank-fintech arrangements | FDIC, OCC, Federal Reserve | 08/09/24 |
| Comment Intake—LP Payment Apps Rulemaking | Consumer Protection Financial Bureau | 01/09/24 |
| ICBA comment on OMB proposed AI memo | Office of Management and Budget | 12/05/23 |
| Joint Letter on Aggregation Services Market | CFPB | 08/02/22 |
| Comments on Fed Accounts Supplemental Proposal | Federal Reserve Board | 04/22/22 |
| Joint Letter Supporting the Close the ILC Loophole Act | House Financial Services Committee | 04/05/22 |
| Support for Senate CBDC, FedAccount Bill | Sens. Cruz, Braun, Grassley | 04/04/22 |
June 17, 2025
Washington, D.C. (June 17, 2025) — Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on the Senate’s passage of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act (S. 1582).
“On behalf of the nation’s community bankers, ICBA appreciates the work by the Senate to address concerns raised by ICBA with the GENIUS Act throughout the legislative process in order to provide regulatory clarity while protecting against the negative economic consequences that would result from community bank disintermediation. ICBA understands the importance of having a clear regulatory framework for stablecoins and has worked closely with the Senate to incorporate critical guardrails to protect consumers and our payments system. As the House determines how it will consider stablecoin legislation, ICBA looks forward to continuing to work with the House to ensure it is further strengthened to address community banker concerns so that the measure fully protects the role community banks serve in local communities across America. With community banks using deposits to make 60% of the nation’s small-business loans and 80% of banking industry agricultural lending, preserving the role of community banks — which have proven commitments to their communities and local credit creation — is critical as Congress deliberates substantial changes to our payments ecosystem.”
About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.
As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.
Title | Date |
|---|---|
| ICBA Summary of CFPB Proposals on No-Action Letters and Product Sandboxes | 01/15/19 |
| 11/18/16 |
Title | Committee | Presenter | Date |
|---|---|---|---|
| Enhanced Regulation of Digital Assets Will Promote Responsible Innovation | Senate Banking Hearing | 02/15/22 | |
| Statement for Senate Stablecoin Hearing | Senate Banking Committee | Written Statement | 12/14/21 |
| Statement for House Hearing on Digital Assets | House Financial Services Committee | Written statement | 12/07/21 |
| ICBA Statement for True Lender Hearing | Committee on Banking, Housing and Urban Affairs | ICBA | 04/28/21 |
| ICBA Statement for HFSC Fintech Hearing 9-29-2020 | HSFC | 09/29/20 | |
| Hearing: Examining the Fintech Landscape | Senate Banking, Housing, and Urban Affairs Committee | Written Statement | 09/12/17 |
