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Bank Secrecy Act and Enforcement
Bank Secrecy Act and Enforcement Search articles Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Feel the rhythm at ICBA LIVE 2025!...
Central Bank Digital Currency (CBDC)
Many central banks, including the Federal Reserve, are actively exploring central bank digital currency, which is defined as a “new form of digital money, denominated in the national unit of...
Banking Cannabis-Related Businesses
Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Read More Example Text Articles Related...
Access the Government-Sponsored Secondary Mortgage Market
Position Background Position & Background ICBA will actively engage the Federal Housing Finance Administration (FHFA) and the GSEs regarding overly burdensome policies and practices that increase...
Artificial Intelligence - Old
Banks, as early adopters, have effectively integrated AI and machine learning into their operations, prioritizing safety and soundness. ICBA holds that banking regulators currently possess the...
Accounting & Auditing
Position Background Position & Background ICBA opposes any prohibitions on the ability of community banks to classify mortgage loans and investment securities at amortized cost when the bank’s...
Community Bank Access to Capital
Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Jan 1, 2025 | Category Home Advocacy...
Customer Data Access/Open Banking
Join the ICBA Community Explore the ICBA Community to see discussions on this and other issues. Join the Conversation Example Text ICBA Expert Contacts Articles Customer Data Access/Open Banking...
Consumer Financial Protection Bureau (CFPB)
ICBA appreciates the CFPB’s decision to operate with the statutory parameters established by Congress and urges the Bureau to carry out its supervisory obligations consistently across all covered...
Credit Union Tax Exemption
Home Advocacy Tax-Exempt Credit Unions Back Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community...
Credit Reporting
Position & Background Position Background ICBA supports the use of consumer credit reports and credit scoring models as tools to objectively assess a borrower’s creditworthiness and ability to...
Data and Cyber Security
Data and Cyber Security Overview Advocacy Education Reset Filters Home Advocacy Data and Cyber Security Back Search topics Select Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA...
Core Processors
Reset Filters Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Search topics Select Feel the rhythm at ICBA LIVE 2025! It's time to...
Cyber Incidents and Breaches
Articles Related Topics: Data and Cyber Security Example Text Payments Fraud and Scams Example Text View All Topics Cybersecurity Example Text Consumer Lending Example Text Regulation B Example...
Ending the Conservatorship of Fannie Mae and Freddie Mac
Related Topics: Access the Government-Sponsored Secondary Mortgage Market Example Text Federal Home Loan Bank System Example Text View All Topics Ending the Conservatorship of Fannie Mae and...
Ending Too-Big-to-Fail
Join the ICBA Community Explore the ICBA Community to see discussions on this and other issues. Join the Conversation Example Text Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA...
Housing Finance Reform and Regulation of Government Sponsored Enterprises (GSE)
Join the ICBA Community Explore the ICBA Community to see discussions on this and other issues. Join the Conversation Example Text ICBA Expert Contacts Articles Housing Finance Reform and...
Instant Payments
With two instant payments networks now live and in the market, financial institutions are moving quickly to begin offering real-time payment capabilities to their customers. ICBA urges all...
Fair Lending
Reset Filters Tax laws should promote robust economic activity and a vibrant community banking sector and foster saving and investment. ICBA opposes any new bank-specific fees, punitive new tax...
Financial Inclusion for Underserved and Unbanked Individuals
Articles Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Read More Example Text Financial...
The Federal Home Loan Bank System
Reset Filters Reset Filters The FHFA recently completed a year-long study of the FHLBs, their mission and how the system is supporting that mission. The final report released in November of 2023...
Innovation, Payments and Banking Technology
Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Some Text Many community banks partner...
Community Development Financial Institutions
ICBA supports increasing funding for the CDFI Fund, proceeds of which are used to help CDFI banks continue to innovate and help their communities. ICBA supports ECIP disposition Guidelines that...
Unfair or deceptive acts or practices (UDAP) & unfair, deceptive, or abusive acts or practices (UDAAP)
Search articles Select Home Advocacy Unfair Deceptive Abusive Acts or Practices (UDAAP) Back Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14,...
Community Reinvestment Act (CRA)
Position Background Position & Background Community banks strongly support meeting the credit needs of their entire communities, including low and moderate-income areas. ICBA supports consistent...
Community Bank Climate Risk Regulation
Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in...
Community Banker Representation
Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in...
Mutual and Savings Institutions
Letters & Testimonies Search articles Select Reset Filters Reset Filters Mutual institutions were established and are maintained for the benefit of their communities, depositors, and borrowers....
Minority Depository Institutions
Position Background ICBA supports a regulatory framework that accommodates and promotes the unique business model, markets and portfolio of minority depository institutions (MDIs or minority...
National Flood Insurance Program
National Flood Insurance Program Search articles Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Search articles Select Home Advocacy...
Payments Fraud & Scams
Data and Cyber Security Robust cybersecurity and data protection are critical to maintaining trust and compliance in community banking. Learn More Example Text Home Fraud Policy Back News and...
Payments
Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Some Text Payments Overview Advocacy...
Repair, Reform, and Thrive
Housing GSE Reform FHLB Mission Reform Innovation Bank-fintech supervisory environment Fix Broken Regulations Harming Communities Over the past few years, there have been more than 5,000 pages of...
Tax Policy
Articles Search articles Tax Policy Overview Feel the rhythm at ICBA LIVE 2025! Jan 1, 2025 Read More Example Text Tax laws should promote robust economic activity and a vibrant community banking...
Rural America and Farm Bill Programs
The new Farm Bill should continue to provide essential assistance to the farm sector and to rural America. Robust price support programs provide a financial safety net for many producers during...
Supervisory Environment
Position & Background Position Background Community banks are concerned certain restrictions or practices that apply to the largest banks will trickle down to their level as “best practices.”...
Small Business Loan Application Data Collection
As relationship bankers, community banks look at each small-business loan individually and often in customized terms based on many factors. Rigid data collection requirements under Section 1071 of...
Tiered Regulation for Community Banks
Search articles Take Action Today Help advocate for community banking by writing a letter to congress. Take Action Example Text Search articles Select Home Advocacy Tiered Regulation for Community...
Strengthening Membership
ICBA, the exclusive national voice for community banks, represents community banks of all sizes and types. ICBA is focused on providing the highest membership value available for community banks....
Financial Inclusion for Underserved and Unbanked Individuals
Articles Feel the rhythm at ICBA LIVE 2025! It's time to get ready for ICBA LIVE 2025 in Nashville, March 11-14, the largest annual gathering of community bankers! Read More Example Text Financial...