Reports and Surveys
ICBA is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education, and high-quality products and services.
The GENIUS Act: A Summary for Community Banks
Under the GENIUS Act, a community bank may, subject to applicable regulatory approval:
- issue its own payment stablecoins,
- act as custodian for a payment stablecoin issuer, and
- engage in all stablecoin-related activities and investments contemplated by the new law.
This summary describes key provisions of the GENIUS Act with a focus on what the new law will mean for community banks after the implementing regulations become effective.
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 August 2025.
Identifying and Addressing Redlining Risk
Your guide to fair lending and redlining scrutiny. It provides a high-level overview of the types of discrimination claims that a bank can face.In addition provides a more detailed treatment of redlining and what your bank can do to protect itself from redlining violations.
Unfairness and Discrimination: Examining the CFPB’s Conflation of Distinct Statutory Concepts
Banks are committed to serving the families and businesses in their communities and proudly supply the financial products and services that provide important economic opportunities for individuals, families, and small business owners. It follows that banks support fair, objective, and transparent enforcement of civil rights and fair lending laws. However, we cannot support the CFPB's recent actions, taken without legislative authority, to extend fair lending laws beyond the bounds carefully set by Congress.
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.
Financial Inclusion Report
Approximately 6 percent of Americans are unbanked, one having no relationship with a bank, and an additional 16 percent are underbanked having used some form of alternative financial service. In this white paper we'll discuss how community banks can close the gap between consumers and the services they need.
Industrial Loan Companies: Closing the Loophole to Avert Consumer and Systemic Harm
ICBA urges Congress to pass an amendment to the Bank Holding Company Act of 1956 to permanently close the ILC loophole, just as Congress has closed past banking loopholes that threatened to undermine consolidated supervision and the separation of banking and commerce.
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.
Is your bank contemplating a new project to obtain strategic IT capabilities? Don’t know where to start? Visit our advocacy page for useful resources and documents.
Modernizing Anti-Money Laundering & Anti-Terrorist Financing Laws & Regulations
In today’s world, it is imperative that financial institutions, law enforcement, and our government work together to combat and prevent financial crime, money laundering, and terrorist financing. Community bankers are committed to supporting balanced, effective measures that will prevent terrorists from using the financial system to fund their operations and prevent money launderers from hiding the proceeds of criminal activities.
However, anti-money laundering/combatting the financing of terrorism and Bank Secrecy Act compliance programs consume a growing share of community banks’ scarce resources.
Focus on Farm Policy
The farm bill plays an important role in stabilizing our nation’s farmers and ranchers, assisting many rural communities, and meeting the nutritional needs of millions of lower-income Americans.
Thousands of community banks and their agricultural and rural customers are also significantly affected by farm bill policies. This white paper outlines important policies and solutions to ensure the new farm bill allows community banks to continue meeting the needs of farmers, ranchers and others in rural America.