Search Articles
Unlimited Webinar Pass
One price for the whole bank
FinCEN: Ransomware incidents totaled $2.1 billion over three years
FinCEN: Ransomware incidents totaled $2.1 billion over three years The Financial Crimes Enforcement Network said ransomware incidents totaled more than $2.1 billion in payments between 2022 and...
Fed announces pricing for payment services
Fed announces pricing for payment services The Federal Reserve Board announced pricing for payment services provided by the Federal Reserve Banks, effective Jan. 1, 2026. Details: The Fed said: ...
Fed seeks feedback on potential changes to check services
Fed seeks feedback on potential changes to check services The Federal Reserve Board requested public input on check usage and the impact of potential strategic changes to check services provided...
OCC, FDIC withdraw leveraged lending guidance
OCC, FDIC withdraw leveraged lending guidance The OCC and FDIC announced they are rescinding their March 2013 guidance on leveraged lending and the November 2014 frequently asked questions on...
USDA expands crop insurance access
USDA expands crop insurance access The Agriculture Department announced updates to federal crop insurance to reduce red tape for farmers, modernize policies, and expand access to risk protection. ...
New op-ed: Deposit insurance reform is critical for Main Street
New op-ed: Deposit insurance reform is critical for Main Street Bipartisan legislation supported by the administration is an important starting point for meaningful reforms to the nation’s deposit...
ICBA ThinkTECH Accelerator Debuts 10th Cohort to Continue Driving Community Bank Innovation
ICBA ThinkTECH Accelerator Debuts 10th Cohort to Continue Driving Community Bank Innovation The Independent Community Bankers of America® (ICBA) today announced the selected companies for the 10th...
Trump administration announces $12 billion farm aid package
Trump administration announces $12 billion farm aid package The Trump administration announced a farm aid package of $11 billion for basic crop commodities with an additional $1 billion being...
Congress continues to back CDFI Fund: report
Congress continues to back CDFI Fund: report Members of Congress are strongly supporting community development financial institutions in current budget discussions, Politico reported. Details:...
OCC’s Gould: Digital asset entities should have pathway to charters
OCC’s Gould: Digital asset entities should have pathway to charters Comptroller of the Currency Jonathan Gould said entities that engage in activities involving digital assets and other novel...
OCC confirms permissible bank activities related to principal cryptoasset transactions
OCC confirms permissible bank activities related to principal cryptoasset transactions The OCC confirmed permissible bank activities related to riskless principal transactions in cryptoassets. ...
ICBA, others urge Fed to withdraw debit interchange proposal
ICBA, others urge Fed to withdraw debit interchange proposal ICBA and other groups urged the Federal Reserve to withdraw its 2023 debit interchange proposal until there is legal certainty in...
In new op-ed, ICBA breaks down consumer harm of credit union acquisitions
In new op-ed, ICBA breaks down consumer harm of credit union acquisitions A new op-ed from ICBA President and CEO Rebeca Romero Rainey breaks down ICBA’s data analysis showing that when credit...
Fed lowers interest rates by 25bp
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 3.50% to 3.75%. Statement: The FOMC said: ...
OCC releases findings on large bank debanking activities
OCC releases findings on large bank debanking activities The OCC released preliminary findings from its review of debanking activities at the nine largest national banks it supervises. ...
Senators request hearing on digital assets market structure
Senators request hearing on digital assets market structure Senate Banking Committee members John Kennedy (R-La.) and Jack Reed (D-R.I.) asked the committee’s leaders to promptly schedule a...
Romero Rainey, Merski Once Again Named to The Hill’s Top Lobbyists List, Demonstrating ICBA’s Advocacy Prowess
Romero Rainey, Merski Once Again Named to The Hill’s Top Lobbyists List, Demonstrating ICBA’s Advocacy Prowess Washington, D.C. (Dec. 11, 2025) — Independent Community Bankers of America (ICBA)...
ICBA tells Senate panel that IORB is vital to financial system
ICBA tells Senate panel that IORB is vital to financial system Ahead of a hearing on the Federal Reserve’s policy of paying interest on reserve balances (IORB) to financial institutions that...
ICBA’s Romero Rainey, Merski recognized as top lobbyists
ICBA’s Romero Rainey, Merski recognized as top lobbyists ICBA President and CEO Rebeca Romero Rainey and Executive Vice President of Congressional Relations Paul Merski were featured on The...
How community banks are navigating the end of penny production
How community banks are navigating the end of penny production A new ICBA article spotlights how community bankers are responding to the federal government officially discontinuing production of...
ICBA Opposes OCC’s Approval of Five National Trust Charter Applications
ICBA Opposes OCC’s Approval of Five National Trust Charter Applications Washington, D.C. — The Independent Community Bankers of America (ICBA) today expressed opposition to the Office of the...
CISA releases cybersecurity performance goals
CISA releases cybersecurity performance goals The Cybersecurity and Infrastructure Security Agency released updated Cross-Sector Cybersecurity Performance Goals (CPG 2.0), which include actions...
President Trump proposes national AI framework
President Trump proposes national AI framework President Donald Trump proposed removing state-level artificial intelligence laws and installing a national standard. Details: In an executive...
ICBA opposes approval of national trust charter applications from nonbanks
ICBA opposes approval of national trust charter applications from nonbanks ICBA expressed opposition to the OCC’s conditional approval of five national trust bank charter applications from nonbank...
ICBA Analysis: Permitting Interest on Payment Stablecoin Holdings Would Reduce Community Bank Lending by $850 Billion
ICBA Analysis: Permitting Interest on Payment Stablecoin Holdings Would Reduce Community Bank Lending by $850 Billion Washington, D.C. — As Congress crafts legislation to establish a regulatory...
ICBA supports parts of CFPB’s Reg B proposal
ICBA supports parts of CFPB’s Reg B proposal ICBA said the Consumer Financial Protection Bureau’s proposal to amend Reg B with the Equal Credit Opportunity Act 's statutory text will reduce...
ICBA supports revisions to the 1071 small-business rule
ICBA supports revisions to the 1071 small-business rule ICBA expressed support for the Consumer Financial Protection Bureau’s proposed revisions to its 1071 small-business data collection and...
ICBA analysis: Permitting interest on payment stablecoins would harm community bank lending
ICBA analysis: Permitting interest on payment stablecoins would harm community bank lending With Congress crafting legislation to establish a regulatory framework for digital assets markets, ICBA...
CFPB updates TILA, CLA, FCRA thresholds for 2026
CFPB updates TILA, CLA, FCRA thresholds for 2026 The Consumer Financial Protection Bureau issued annual threshold adjustments that are effective Jan. 1, 2026. TILA: The CFPB issued a final rule...
Agencies update appraisal exemption threshold
Agencies update appraisal exemption threshold Regulators announced that the 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from...
ICBA Opposes PayPal Application to Form Industrial Loan Company
ICBA Opposes PayPal Application to Form Industrial Loan Company Washington, D.C. — The Independent Community Bankers of America (ICBA) today expressed strong opposition to PayPal’s application to...
FDIC proposes application process for bank subsidiaries to issue stablecoins
FDIC proposes application process for bank subsidiaries to issue stablecoins The FDIC issued a proposed rule that would implement the application provisions under the Guiding and Establishing...
House panel advances five ICBA-supported bills
House panel advances five ICBA-supported bills After ICBA urged the House Financial Services Committee to vote yes on five pro-community bank bills during its two-day markup, the committee voted...
ICBA opposes PayPal’s ILC application
ICBA opposes PayPal’s ILC application ICBA expressed strong opposition to PayPal’s application to form an industrial loan company, saying the FDIC should not allow nonbank firms to benefit from...
OCC issues CRA strategic plan for community banks
OCC issues CRA strategic plan for community banks The OCC issued proposed guidance for a simplified strategic plan process for community banks to comply with the Community Reinvestment Act. ...
Senate passes NDAA with ICBA-opposed measures removed
Senate passes NDAA with ICBA-opposed measures removed The Senate passed the National Defense Authorization Act by a 77-20 vote after removing several ICBA-opposed measures from the bill. TILA...
ICBA looks back on transformative year for community banking
ICBA looks back on transformative year for community banking A new article from ICBA President and CEO Rebeca Romero Rainey and ICBA Chairman Jack Hopkins details what 2025 has meant for community...
Kristine LaVigna Named President & CEO of ICBA CRA Solutions/USI Alliance
Kristine LaVigna Named President & CEO of ICBA CRA Solutions/USI Alliance Washington, D.C. — ICBA CRA Solutions/USI Alliance, a subsidiary of the Independent Community Bankers of America® (ICBA),...
ICBA Names Justin Dunmyer as SVP, Innovation & Product Strategy
ICBA Names Justin Dunmyer as SVP, Innovation & Product Strategy Washington, D.C. (Dec. 18, 2025)—The Independent Community Bankers of America® (ICBA) announced today that Justin Dunmyer has joined...
ICBA Congratulates Travis Hill on Confirmation as FDIC Chairman
ICBA Congratulates Travis Hill on Confirmation as FDIC Chairman Washington, D.C. — Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following...
OCC weighs in on state interest rate case
OCC weighs in on state interest rate case The OCC filed an amicus brief with the U.S. Court of Appeals for the Tenth Circuit in connection with the National Association of Industrial Bankers v....
ICBA supports proposal to increase Same Day ACH limit
ICBA supports proposal to increase Same Day ACH limit ICBA said it supports Nacha’s proposal to increase the Same Day ACH dollar limit to $10 million while acknowledging the risk and efficiency...
Fed research reinforces ICBA call to mitigate stablecoin risks
Fed research reinforces ICBA call to mitigate stablecoin risks A newly released Federal Reserve research paper warns that stablecoins could reduce bank deposits and lending—in line with a recent...
Fed report: Debit card transaction fraud growing
Fed report: Debit card transaction fraud growing The Federal Reserve published its biennial report on debit card transactions, which summarizes information collected from Durbin-covered debit card...
Senate confirms Hill as FDIC chairman
Senate confirms Hill as FDIC chairman The Senate confirmed Travis Hill as FDIC chairman. Hill has served as acting chairman since January and was previously sworn in as vice chairman in January...
Fed seeks input on limited-purpose ‘payment accounts’
Fed seeks input on limited-purpose ‘payment accounts’ The Federal Reserve requested public comment on a proposed "payment account," which eligible financial institutions could use for the limited...
Why Consistency is Essential in Banking
Why Consistency is Essential in Banking Banking thrives when trust is present. Customers entrust banks with their savings, aspirations, and financial security. This trust is nurtured through...
Navigating the end of penny production
Navigating the end of penny production The U.S. Mint officially ended penny production on November 12, 2025, striking the final one-cent coin in Philadelphia. This marked the conclusion of a...
Online Course Newsletter – December 2025
Online Course Newsletter – December 2025 The courses that are being removed will have “RETIRED:” added to the front of the title. If any employees are currently enrolled in these courses and have...
Rebeca Romero Rainey: Let's Continue the Course in the New Year
Rebeca Romero Rainey, president and CEO of ICBA, shares why it's more important than ever to ensure that community banks are actively engaged and leveraging the power of the tools that ICBA provides.
Jack E. Hopkins: Setting Our Priorities for 2026
There’s something about the new year that brings with it a clean slate and a fresh start. As we kick off 2026, we have the opportunity to shape where we want to go.
Out of Office: Olympia Reed
The regional branch operations manager for Lumbee Guaranty Bank in Pembroke, North Carolina, regularly cooks for family, friends and coworkers at the $540 million-asset community bank.
Deregulation Ahead: Community Bank Regulatory Outlook
Learn how regulatory changes in 2026, including stablecoin legislation and Section 1071 exemptions, will shape the future of community banking.
Innovation Strategies for Community Banks
Explore how community banks can use data insights, fintech tools and innovation to stay competitive.
4 Reasons Community Banks Should Offer E-Invoicing
E-invoicing can transform community banking by increasing deposits, reducing check fraud and fostering deeper customer connections.
How Community Banks Are Navigating Lending Growth
Explore the 2026 lending landscape for community banks, including trends in CRE, SBA loans, consumer spending and credit quality monitoring.
The Power of Healthy Dissent in Leadership
Discover how healthy dissent fuels stronger teams and better decisions. Learn leadership strategies to foster dialogue and innovation.
Should Community Banks Offer Subscription Management?
Build your customers’ financial health by helping them manage their subscriptions in-app.
Ladder vs. Barbell: Portfolio Management Tips
Learn how community banks can leverage barbell strategies to balance risk, improve yields and manage bond portfolios effectively.
ILC Loophole Impact on Community Banks & Regulation
Learn about the historical context of the ILC loophole, its implications for community banks and the ongoing regulatory debates surrounding this critical issue.