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How Expanding the Durbin Amendment Would Further Harm Community Banks and Their Customers
ICBA is reminding policymakers that the Durbin Amendment has distorted the debit card and consumer checking markets to the detriment of community banks and consumers nationwide.
What’s Next in the Stablecoin Debate—and What it Means for Community Banks
While stablecoins have drawn increased scrutiny from policymakers in Washington, the policy response has only just begun. Here’s a look at the policy outlook and what it means for community banks.
Regulators Tout Responsible Innovation, Collaboration at ICBA ThinkTECH Event
Bank innovation continues to be a central focus for regulatory agencies. From the launch of innovation offices and office hours to policy statements encouraging innovative approaches.
A Seat at the Payments Table: How Bancard Is Working for Community Banks
As we usher in 2022, community banks face a new sense of urgency around their payment products.
ICBA ThinkTECH Accelerator Selection Committee: “We need to keep innovating.”
It’s hard to believe that we recently kicked off our fourth ThinkTECH Accelerator and even more astonishing that the caliber of companies applying to help community banks’ greatest pain points...
New Federal Reserve Papers on CBDC: Key Takeaways for Community Banks
The Federal Reserve Board recently released its long-anticipated report on how the U.S. might advance towards an “age of digital transformation” with a future central bank digital currency (CBDC).
ThinkTECH Accelerator Showcase: Taking Innovation to the Profitable Next Level
“There is only one threat, and it’s inaction,” said The Venture Center’s Wayne Miller in his opening remarks at the ThinkTECH Accelerator Showcase. That set the tone for the session, where each...
Stablecoin Expansion Raises Policy Questions in Washington and on Main Street
The volume of stablecoins in circulation has grown rapidly in recent months, drawing increased attention from policymakers and the media. Here’s a breakdown of where this increasingly significant...
As Washington targets overdraft, community banks remain customer-focused
Officials in Washington have in recent months increased their focus on overdraft programs and policies. With community banks already subject to strict overdraft regulations, ICBA and community...
The Year of Hiking Cautiously: What a New Cycle of Interest Rate Hikes Mean for Community Banks
The Federal Reserve recently took a major step toward curbing inflation by raising the effective federal funds rate by 25 basis points. Here’s a look at what this means for community banks and...
Three Post-Pandemic Payments Trends and What They Mean for Community Banks
The pandemic has clearly had a lasting impact on customers’ payment behaviors, marked by an unprecedented rise in ecommerce transactions. Amidst this sea of change, community banks are asking,...
As Payments Grows in Importance, ICBA Actively Engages Key Policymakers
The importance of experienced advocacy of community banks’ payments needs has never been greater, which is why the ICBA Payments and Technology Policy team has imbedded resources into...
Merchants and Consumers Benefit from Credit Card Rewards Programs
The first rewards credit card was introduced by American Airlines in 1934 to help it sell tickets. Ninety years later, merchants accepting credit cards and issuing co-branded rewards cards continue...
How to Avoid the Repercussions of “Friendly Fraud”
Friendly fraud is on the rise, now accounting for up to 75% of all chargebacks. From kids using their parents’ cards to purchase items to flat-out falsification, friendly fraud occurs when a...
A Decade in the Making, FedNow Pushes Faster Payments Forward
The FedNow Service’s launch is a milestone in the Fed’s payments improvement journey, but it does not mark the end of the path. In the near term, ICBA urges community banks to focus on faster...
FedNow is Live. Now What?
FedNow launched on July 20—with eager anticipation from the payments industry. But in the past month, we’ve not heard much about transaction volume, use cases, or user experiences.
Crypto Collapses and Security Concerns Renew Debate Over Digital Assets Policy
Remaining aware of developments in the digital assets industry is critical as crypto entities seek greater access to the traditional financial system and policymakers in Congress deliberate paths...
Four things to know about faster and instant payments
Consumers and businesses are increasingly using payment platforms that allow them to pay or transfer money faster than ever before, with U.S. faster payments transactions topping $900 billion in 2020.
Why Small Business See a (Use) Case for Instant Payments
According to the Federal Reserve, nine in 10 businesses (or 29.25 million) expect to be able to send and receive instant payments by 2023. Fortunately, in many cases, community-based financial...
Community Banking Month: Celebrating Servant Leadership
Paying it forward — or repaying a kindness received with a good deed to someone else — is more than a concept, it’s put into practice every day at the nation’s community banks.