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New ICBA White Paper Calls on Policymakers to Close Industrial Loan Company Loophole
New ICBA White Paper Calls on Policymakers to Close Industrial Loan Company Loophole The Independent Community Bankers of America (ICBA) today released a comprehensive white paper detailing why...
ICBA Urges FDIC to Reject Applications Under Industrial Loan Company Loophole to Prevent Risks to Consumers
ICBA told the FDIC that it has a statutory duty to reject the applications of industrial loan companies (ILCs) that pose undue risks to the Deposit Insurance Fund and that fail to serve the...
FDIC seeking input on AML/CFT compliance costs
The FDIC requested comment on a proposal to survey banks about the costs to comply with the Bank Secrecy Act and related anti-money laundering and countering the financing of terrorism requirements.
Senate confirms Miran for Fed post
The Senate voted 48-47 to confirm the nomination of Stephen Miran to be a Federal Reserve governor.
Miran sworn in as Fed governor
The Federal Reserve announced that Stephen Miran was sworn in as a Fed governor.
ICBA-supported bills slated for House committee markup today
ICBA urged the House Financial Services Committee to vote to advance several pro-community banks bills that the committee is scheduled to mark up today.
FedDetect announces new payment fraud tool
The Federal Reserve announced a new reporting feature for its FedDetect Anomaly Notification for FedACH Services, which helps financial institutions quickly address potential fraud.
FedNow delivering instant payments for disaster relief disbursements
FedNow announced that participants recently started receiving instant disaster-relief disbursements for their account holders.
Fed lowers interest rates by 25bp
The Federal Open Market Committee voted to lower target interest rates by 25 basis points to a range of 4.0% to 4.25%.
ICBA: Supervisory appeals reviewers should have community banking experience
ICBA told the FDIC that in revising the agency’s supervisory appeals process, the FDIC should ensure that reviewers have significant community banking experience.
ICBA Applauds OCC for Announced Updates to Organizational Structure
ICBA today expressed its strong support for the Office of the Comptroller of the Currency’s announcement that it will reverse its ICBA-opposed decision to merge its community, midsize, and large...
House committee advances ICBA-supported bills
The House Financial Services Committee voted to advance five ICBA-supported bills designed to support community banks.
ICBA: AI can help community banks if regulated properly
ICBA told Congress it believes artificial intelligence has the potential to help community banks meet regulatory burdens and expand access to credit, but thoughtful regulation is needed.
ICBA: Community banks lead the fight against fraud
ICBA told Congress that community banks are on the front lines of fraud mitigation and are leading the response but cannot solve the problem alone.
OCC announces ICBA-advocated supervision restructuring
Following ICBA advocacy, the OCC announced it will reverse its ICBA-opposed plan to merge its community, midsize, and large bank supervision functions into a single unit.
ICBA Urges FDIC to Reject Applications Under Industrial Loan Company Loophole to Prevent Risks to Consumers
ICBA told the FDIC that it has a statutory duty to reject the applications of industrial loan companies (ILCs) that pose undue risks to the Deposit Insurance Fund and that fail to serve the...
ICBA urging comments to FDIC on raising regulatory thresholds
ICBA is calling on community bankers to submit comments this week on the FDIC’s proposal to adjust and index certain regulatory thresholds, most notably Part 363 independent audit and reporting...
Fed’s Miran: Interest rates too restrictive
New Federal Reserve Governor Stephen Miran said the Fed’s target interest rate is roughly 2 percentage points too tight, risking unnecessary layoffs and higher unemployment.
Treasury seeks comments on implementing GENIUS Act
The Treasury Department issued an advance notice of proposed rulemaking seeking public comment related to its implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins...
ICBA urges FDIC to reject risky ILC applications
ICBA told the FDIC that it has a statutory duty to reject the applications of industrial loan companies that pose undue risks to the Deposit Insurance Fund and fail to serve the convenience and...
ICBA Community tops 6,000 members
ICBA Community, the exclusive digital network for ICBA members, has surpassed 6,000 members.
ICBA community bankers meet with banking agencies on core processors
Ten ICBA community bankers and several staff members met with federal regulators to discuss community bank experiences and concerns with core service providers.
Credit union acquisitions of community banks continue garnering media attention
Credit union acquisitions of community banks received renewed media attention this week with a new article on the largest acquisition so far this year.
ICBA, state groups urge broad implementation of ACRE Act tax exclusion
ICBA and its affiliated state community banking associations called on the Treasury Department to ensure an ICBA-advocated tax exclusion passed under the One Big Beautiful Bill Act applies to as...
ICBA: FDIC should raise reporting requirement threshold
ICBA called on the FDIC to raise the threshold for auditor attestation and reporting requirements under its proposal to adjust and index certain regulatory thresholds.
ICBA-CISA hosting Cybersecurity Awareness Month tabletop exercise
ICBA and the Cybersecurity and Infrastructure Security Agency are scheduled to host a members-only tabletop exercise to support community bank cybersecurity at noon (Eastern time) Thursday, Oct. 16.
Feds prepare for Sept. 30 transition from paper checks
The federal government launched an updated webpage with information on its Sept. 30 transition away from issuing paper checks for most federal payments, while the IRS said it will publish guidance...
ICBA, groups request Treasury comment extension on GENIUS Act
ICBA and other groups called on the Treasury Department to extend the 30-day comment period for its advance notice of proposed rulemaking on the implementation of the Guiding and Establishing...
ICBA raises profile of payments fraud at interagency commission meeting
ICBA spotlighted payments fraud trends in a presentation to the Financial Education and Literacy Commission, a statutory commission chaired by the Treasury secretary and comprising the heads of 24...
Cybersecurity coordination law to lapse next week if Congress doesn’t act
ICBA continues working with Congress to advance an extension of a law that strengthens public-private cybersecurity coordination before the law expires next week.
Revising community bank capital framework a key priority: Bowman
Revising community bank capital standards and addressing check fraud are top priorities for the Federal Reserve, Fed Vice Chair for Supervision Michelle Bowman said.
Former NCUA official calls for transparency in credit union bank acquisitions
A new blog post spotlights the lack of information that credit union member-owners are privy to when their credit union decides to acquire a bank.
CDFI Fund announces first awards of 2025
The Community Development Financial Institutions Fund announced it has awarded 56 organizations $8.8 million in technical assistance awards under the fiscal 2025 funding round.
ICBA Congratulates Travis Hill on Nomination as FDIC Chairman
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on President Donald Trump’s nomination of Travis Hill to serve as chairman of...
President nominates Travis Hill as FDIC chairman
President Donald Trump nominated FDIC Acting Chairman Travis Hill to be FDIC chairman.
Agencies share shutdown information
Federal agencies shared information on their programs and functionality during the government shutdown.
SBA releases form to help community banks report on debanking compliance
As requested by ICBA, the Small Business Administration released a streamlined form to help community banks comply with President Donald Trump’s executive order on ensuring access to fair banking.
SEC permits trust companies to custody cryptoassets
The SEC indicated it would permit registered funds and advisers to use state trust companies to custody cryptoassets.
Shutdown would affect SBA, USDA programs
Several programs that community banks rely on would be affected by a federal shutdown if Congress can’t agree on a short-term funding resolution before midnight tonight.
Treasury issues consumer guidance as federal paper checks end
The Treasury Department shared options for consumers who receive federal payments by check as the government officially ceased issuing checks.
ICBA shares Cybersecurity Awareness Month marketing tools
ICBA offers ready-to-use marketing tools that community bankers can use in October via its Marketing Resource Center.
FDIC issues Q2 state profiles
The FDIC issued its state profiles for the second quarter. The series provides quarterly summaries of banking and economic conditions for each state.
ICBA updates advocacy dashboard
ICBA updated its “Advocacy in Action” government relations dashboard for the fourth quarter with the latest community banking advocacy successes and priorities.
Independent Banker shares tips for tackling cyber threats
The latest Independent Banker magazine shares ways that community banks can fight cyber attacks that are being supercharged by AI and other technological capabilities.
Compliance questions on National Flood Insurance Program, end of penny production
The ICBA Compliance Center Question of the Week page features several new Q&As on the National Flood Insurance Program and the Treasury Department’s decision to end production of the penny.
ICBA calls for farm aid package, favorable community bank treatment
ICBA called on the Treasury and Agriculture Departments to provide farmers a large aid package and ensure that community banks are treated favorably when they help facilitate farm aid.
ICBA Applauds OCC’s Commitment to Regulatory Relief for Community Banks
ICBA expressed strong support for today’s Office of the Comptroller of the Currency (OCC) announcement of a series of regulatory relief measures aimed at empowering community banks to continue...
ICBA Commends FDIC, OCC on Proposals to Improve Regulatory Oversight
ICBA President and CEO Rebeca Romero Rainey released the following statement on today’s FDIC and OCC proposed rules to prohibit the use of reputation risk by regulators and to revise the...
FDIC, OCC announce proposals to streamline regulatory oversight
ICBA commended the FDIC and OCC for issuing proposed rules to prohibit the use of reputation risk by regulators and to revise the supervisory framework for “unsafe or unsound” banking practices.
FFIEC releases second version of 2025 CRA software
The Federal Financial Institutions Examination Council announced that the second version of the 2025 Community Reinvestment Act Data Entry Software Release is now available on the FFIEC CRA website.
ICBA Urges Congress to Preserve Access to Credit by Extending Prohibition on Yield-Bearing Stablecoins
As the Senate considers legislation to establish a regulatory framework for digital assets, ICBA is calling on lawmakers to ensure the legislation prohibits digital asset exchanges & affiliates...
ICBA urging EGRPRA grassroots comment letters
ICBA is urging community bankers to submit comment letters by Oct. 23 on the final round of the banking agencies’ Economic Growth and Regulatory Paperwork Reduction Act of 1996 review.
ICBA urges Treasury to restart production of pennies
ICBA called on the Treasury Department to restart production of the penny and develop a formal plan to phase out production of the one-cent coin.
OCC announces regulatory relief for community banks
The OCC announced several ICBA-supported efforts to reduce regulatory burden for community banks.
Fed’s Bowman vows to continue improving regulatory framework for community banks
Federal Reserve Vice Chair for Supervision Michelle Bowman said the Fed will continue to prioritize changes to the community bank regulatory and supervisory framework that will allow community...
ICBA briefs Indiana community bankers
ICBA briefed Indiana Bankers Association members in Washington ahead of meetings with regulators and congressional offices.
ICBA Names Wayne Miller Executive Vice President, Chief Innovation Officer
ICBA announced the promotion of Wayne Miller to executive vice president, chief innovation officer. In this role, Miller will help drive innovation strategy, helping to source, refine & scale...
ICBA Thanks Secretary Bessent, Vice Chair Bowman for Pro-Community Bank Remarks at Fed Conference
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on the Federal Reserve’s Community Bank Conference.
Bank financial officers report tighter standards for commercial, industrial loans
Respondents to the Federal Reserve’s latest survey of senior financial officers shared their opinions on the standards and terms on, and demand for, bank loans to businesses and households over the...
ICBA Urges OCC to Deny Coinbase’s Application for a National Trust Bank Charter
The Independent Community Bankers of America (ICBA) urged the Office of the Comptroller of the Currency (OCC) to reject Coinbase’s application for a national trust bank charter for its subsidiary,...