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OCC issues GENIUS Act final rule
2026-10-22 OCC issues GENIUS Act final rule The OCC issued a final rule to implement GENIUS Act standards on issuing payment stablecoins. Details: The OCC said the final rule—which will be...
OCC revises GENIUS Act info-collection rule, issues waiver guidance
OCC revises GENIUS Act info-collection rule, issues waiver guidance The OCC proposed new information reporting forms that must be completed by permitted payment stablecoin issuers under the GENIUS...
ICBA supports revision of ‘Banking Day’ definition
2026-10-22 ICBA supports revision of ‘Banking Day’ definition ICBA said it supports Nacha’s proposal to revise the definition of “Banking Day.” Proposal Details: Nacha’s proposal says Banking Day...
CISA warns of critical PHP vulnerabilities
CISA warns of critical PHP vulnerabilities The Cybersecurity and Infrastructure Security Agency said critical vulnerabilities in PHP, often a component of other software such as Wordpress, require...
Trump, Treasury move to ease housing burden
Trump, Treasury move to ease housing burden President Donald Trump issued an executive order to lower the costs of single-family homeownership and mortgages. Scope: The executive order: Directs the...
Rural economic index falls
Rural economic index falls Creighton University’s index of rural economic conditions dropped to 42.5 in October, falling below the growth neutral benchmark for the fifth time in six months. Survey...
OCC reports on interest rate risks
The OCC published its fall 2026 report on interest rate risk data gathered during examinations of midsize and community banks and federal savings associations. Details: The Interest Rate Risk...
Independent Banker shares tips for successful specialty lending
Independent Banker shares tips for successful specialty lending The latest Independent Banker magazine says specialization can pay big dividends for community banks interested in expanding their...
Alice P. Frazier: Relationship Banking vs. Transaction Speed: How Community Banks Build Trust and Loyalty
Discover how community banks balance immediate transactions with long-standing relationships. Learn why relationship-first banking, around-the-clock responsiveness, and smart digital innovation...
Rebecca Romero Rainey: Data-Driven Banking for Growth and Risk Mitigation
Learn how community banks can use a practical data strategy to drive business development, mitigate risk, strengthen data security, and streamline operations—plus how ICBA ThinkTECH Accelerator...
F&C Bank Restores Historic Downtown Clock, Celebrating Community Bank Heritage in Holden, MO
See how F&C Bank, a hometown community bank in Holden, Missouri, restored a 1960 downtown clock—preserving local history, strengthening community identity, and celebrating its 145th anniversary...
ICBA strongly supports proposal to update Reg O thresholds
2026-10-06 ICBA strongly supports proposal to update Reg O thresholds ICBA said it strongly supports a proposed rulemaking to update and index the dollar thresholds for certain extensions of credit...
Joint Trades Statement on the Eighth Circuit’s Corner Post Decision
Washington, D.C. (Oct. 26, 2026) — The Independent Community Bankers of America, American Bankers Association, America’s Credit Unions, Consumer Bankers Association, Electronic Payments Coalition,...
SEO, AEO & GEO for Community Banks: How to Win Visibility in AI Search
AI-powered search is changing bank digital marketing. Learn the difference between SEO vs AEO vs GEO, plus practical steps—FAQs, bullet lists, header hierarchy, and trust signals—to improve ChatGPT...
Seven Steps to Successful Fintech Partnerships for Community Banks
Seven Steps to Successful Fintech Partnerships for Community Banks It comes as no surprise that community banks are increasingly focused on developing fintech relationships. At the start of 2026,...
Community Banker Suzanne Broyles on BSA/AML, Internal Audit & Deposit Operations
Learn how Suzanne Broyles built a community bank compliance career—from internal audit banking to deposit operations and BSA/AML. Get practical tips on productivity, cross-training, and when manual...
Community Bank Giving Back: Commencement Bank’s Hams for the Holidays Food Insecurity Initiative
Learn how Commencement Bank organized a successful community bank holiday giving event to address food insecurity initiatives in Pierce County, WA—powered by local partnerships, employee volunteer...
ICBA Opposes OCC Approval of Ripple’s National Trust Bank Charter Application
ICBA Opposes OCC Approval of Ripple’s National Trust Bank Charter Application Washington, D.C. (Oct. 27, 2026) — The Independent Community Bankers of America (ICBA) today expressed opposition to...
ICBA Names Julie LaRose Executive Vice President, Affiliate Relations
ICBA Names Julie LaRose Executive Vice President, Affiliate Relations LaRose to advance collaboration with ICBA’s affiliate association partners Washington, D.C. (Oct. 27, 2026) — The Independent...
Collateral Advantage: The MBS market offers a kaleidoscope of opportunities
Collateral Advantage: The MBS market offers a kaleidoscope of opportunities Many community bankers are beginning to get serious about their bond portfolios as liquidity has normalized, and rates...
Winning the Operating Relationship: How Community Banks Can Become Indispensable to Business Customers
Winning the Operating Relationship: How Community Banks Can Become Indispensable to Business Customers A Q&A with Cale Johnston, Founder & CEO, Onsetto Many community banks win the account but not...
Banking Agencies Propose to Replace the 2023 TPRM Guidance and Rescind the Bank-Fintech Joint Statement
2026-10-28 Banking Agencies Propose to Replace the 2023 TPRM Guidance and Rescind the Bank-Fintech Joint Statement Overview On September 11, 2026, the OCC, the Federal Reserve, and the FDIC...
ICBA Bank Director Current Issues Seminar at ICBA LIVE
ICBA Bank Director Current Issues Seminar at ICBA LIVE ICBA Bank Director Current Issues Seminar March 1, 2027 Las Vegas, NV The 37th Annual ICBA Bank Director Current Issues Seminar delivers...
Online Course Newsletter - October 2026
Introduction It’s that time of year again for Standard Plan, Custom Plan, and Bank Compliance Bundle subscribers – subscription renewals! Renewal invoices were mailed Oct. 21 so hopefully you’ve...
ICBA, others request extension on comment period for TPRM proposals
ICBA, others request extension on comment period for TPRM proposals ICBA and other groups requested 30-day extensions on proposed revisions to regulatory guidance on third-party risk management....
Warsh says Fed will have fewer rate meetings in 2027, 2028
Warsh says Fed will have fewer rate meetings in 2027, 2028 Federal Reserve Chairman Kevin Warsh said the Fed has decided to change the Federal Open Market Committee meeting schedule in 2027 and...
GDP up 3.4% in Q3
2026-10-30 GDP up 3.4% in Q3 The gross domestic product increased at an annual rate of 3.4% in the third quarter, according to the Commerce Department’s advance estimate, following a 2.2% increase...
New Era of Payments: Q&A with the Chief FedNow® Executive
FedNow_Sponsored New Era of Payments: Q&A with the Chief FedNow® Executive SPONSORED | In this new Q&A, Chief FedNow® Executive Nick Stanescu shares what’s driving instant payment growth and how...
Public Funds as a Strategic Anchor in a Rising-Rate Funding Market
Public Funds as a Strategic Anchor in a Rising-Rate Funding Market SPONSORED | With the Fed raising rates and Treasury yields climbing, funding costs are resetting higher. PTMA Funding connects...
Credit union field of membership application blocked in Virginia
The Virginia State Corporation Commission denied Virginia Credit Union Inc.’s application to expand its field of membership to include the Medical Society of Virginia—the latest setback to the...
ICBA: Ford ILC application shows need to close loophole
The Ford Motor Co. plan to apply for an industrial loan company charter shows why the ILC loophole should be closed, ICBA’s Chris Cole told American Banker.
SBA now accepting requests for PPP partial-forgiveness reviews
The Small Business Administration said its Paycheck Protection Program platform can now accept borrower requests to review lenders’ partial forgiveness decisions.
Financial Services Industry United in Opposition to Marshall-Durbin Credit Routing Legislation
Today nine trade associations representing the financial services industry released the following joint statement opposing announced legislation by Senator Roger Marshall (R-KS) and Senator Dick...
CFPB, DOJ issue reminder on servicemember auto finance protections
The Consumer Financial Protection Bureau and Justice Department issued a joint letter reminding auto finance companies of their responsibility to recognize legal protections for military families...
Fed: Stablecoin growth poses structural vulnerabilities
The value of outstanding stablecoins grew roughly fivefold last year, the Federal Reserve said in its 2021 annual report.
FDIC issues fact sheet, advisory on crypto deposit insurance claims
The FDIC published a fact sheet to consumers and an advisory to financial institutions on FDIC deposit insurance and crypto companies.
Senate spending deal excludes ICBA-opposed policies
The Senate budget reconciliation deal announced this week by Senate Majority Leader Chuck Schumer (D-N.Y.) and Sen. Joe Manchin (D-W.Va.) excludes several proposed tax provisions strongly opposed...
Senate drops postal banking funding from appropriations bill
Senate appropriators dropped an ICBA-opposed legislative proposal to expand the U.S. Postal Service’s banking pilot after ICBA urged lawmakers to block the plan.
OCC issues CRA fact sheets ahead of comment deadline
The OCC released a series of fact sheets on the banking agencies’ proposed updates to Community Reinvestment Act regulations ahead of the Aug. 5 comment deadline.
CFPB adds new debt-collection FAQs
The Consumer Financial Protection Bureau added a new section to its frequently asked questions on the Debt Collection Rule in Regulation F.
ICBA to committee: Fully vet stablecoin bill before any vote
While legislation is urgently needed to address risks posed by unregulated stablecoins, taking up last-minute legislation at this week’s House Financial Services Committee markup would be...
FS-ISAC spotlights Holy Ghost ransomware group
The Financial Services Information Sharing and Analysis Center’s latest weekly risk report details the Holy Ghost ransomware group, which has been active for more than a year and has connections to...
ICBA urges agencies to keep voluntary cyber tool up to date
ICBA called on federal regulators to continue building on the Cybersecurity Assessment Tool risk assessment framework while keeping it voluntary.
Senators introduce broad cannabis bill as safe harbor push continues
Senate Democrats introduced sweeping legislation to end federal cannabis prohibitions, potentially paving the way for an ICBA-advocated cannabis banking safe harbor.
Feds announce first crypto insider trading indictment
Federal law enforcement officials announced the first-ever insider trading tipping indictment involving cryptocurrency.
House again passes cannabis banking bill
The House advanced an ICBA-advocated cannabis banking safe harbor as part of a fiscal 2023 defense authorization bill.
TCM Bank Names William Weeks Chief Information Officer
TCM Bank, N.A., the credit card bank of ICBA Bancard, which is the payments services subsidiary of the Independent Community Bankers of America (ICBA), today announced the hire of William Weeks as...
ICBA Names Andrew Hipolit Assistant Vice President, Financial Policy, Research and Advocacy
The Independent Community Bankers of America (ICBA) today announced that Andrew Hipolit has joined its government relations team as assistant vice president, financial policy, research, and advocacy.
Community banks vital to manufacturing-concentrated states: FDIC
Community banks in manufacturing-concentrated states have provided more commercial loans than other community banks and reported higher net interest margins, according to a new FDIC report.
ICBA Statement on Mutual Savings Association Advisory Committee Charter Renewal
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement regarding the Office of the Comptroller of the Currency’s renewal of the Mutual...
What community banks can do about the super app rise
ICBA Bancard President and CEO Tina Giorgio’s latest blog post covers the rise of the super app and what community banks can do about it.
ICBA Statement on Confirmation of Michael Barr for Fed Vice Chair of Supervision
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on Michael Barr’s confirmation for Federal Reserve vice chair of supervision.
ICBA Services Network Announces New Members to Board of Directors
ICBA Services Network today announced that Thomas E. Bates Jr.; G. Scott McComb, and Noah Wilcox were elected to the ICBA Services Network board of directors.
USPS defends postal banking pilot
The U.S. Postal Service defended its decision to launch an ICBA-opposed postal banking pilot program without first consulting the Postal Regulatory Commission.
ICBA Testifies Urging Congress to Apply Community Reinvestment Act to Credit Unions
The Independent Community Bankers of America (ICBA) today called on Congress to examine the need to apply the Community Reinvestment Act to tax-exempt credit unions.
ICBA testifying today on CRA modernization
ICBA is scheduled to testify today before Congress on the interagency proposal to modernize Community Reinvestment Act regulations.
CFPB confirms March 2023 for 1071 final rule
The Consumer Financial Protection Bureau plans to issue a final rule implementing Section 1071 small-business reporting requirements by March 31, 2023, according to court filing.
Agencies encourage risk-based approach to customer due diligence
Federal financial services regulators issued a joint statement to remind banks of the risk-based approach to assessing customer relationships and conducting customer due diligence.
ICBA “dashboard” and briefing highlight community bank-focused advocacy efforts for Q3
ICBA’s third quarter “Advocacy in Action” government relations dashboard and recent advocacy briefing provide community banks with an update on ICBA’s advocacy successes, along with more...
ICBA guidance on new FDIC approach to re-presented transactions
With the FDIC taking a new, stricter approach to how banks treat single items that are repeatedly rejected for insufficient funds, ICBA released member-protected fact sheet on the issue with...