Regulatory Update - Fraud (Update May 2025)

May 2025 ICBA Regulatory Update: Fraud Topic/Issue: Fraud Agencies: OCC, FDIC, FRB, CFPB, FinCEN Status: Community banks and their customers have been increasingly challenged by a...

MN - Coverage Fact Sheet

Community Bank Presence in Contrast MINNESOTA Community Bank Branch Locations Community banks in MN represent 100% of rural* counties 100% of LMI* counties 100% of all MN counties In...

California-5

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Secured Card Cardholder Agreement

114131211109 TCM BANK, N.A. SECURED CREDIT CARD CARDHOLDER AGREEMENT Effective Date: March 31, 2026 This Secured Credit Card Cardholder Agreement (this “Agreement”), together with the other...

Maintaining Organizational Relevancy - Properly Responding to an Unanticipated Compliance Emergency - Handout

700 Colonial Road, Suite 200 Memphis, Tennessee 38117  P.O. Box 242120 Memphis, Tennessee 38124-2120  Telephone: (901) 767-0900 Facsimile: (901) 684-2339 email: gst@gerrish.com GERRISH...

ltr090815

September 8, 2015 The Honorable Richard C. Shelby The Honorable Sherrod Brown Chairman Ranking Member Senate Committee on Banking, Housing Senate Committee on Banking, Housing ...

Megabank

Cannabis Banking

February 2024 Legislative Update: Safe Harbor for Cannabis Banking Status: While cannabis use is illegal under federal law, more than 20 states and the District of Columbia have approved...

TX-3

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

ICBA Amicus Brief in Payservices Bank v. Federal Reserve Bank of San Francisco

No. 24-2355 IN THE United States Court of Appeals for the Ninth Circuit _________________________ PAYSERVICES BANK, Plaintiff-Appellant, v. FEDERAL RESERVE BANK OF SAN FRANCISCO, ...

Check-Fraud-May-2024

Check Fraud: A Practical Guide to Altered, Forged, and Counterfeit Checks for Community Bankers May 2024 This publication is for general information purposes and is not intended to be, and...

CISA

Cybersecurity Information Sharing Act of 2015 Guidance February 2016 Mon Contact: Jeremy Dalpiaz AVP, Cyber Security and Data Security Policy Jeremy.Dalpiaz@icba.org ...

State Letter on House Resolution Disapproving 1071 Rule

April 18, 2023 United States House of Representatives Washington, D.C. 20515 Dear Representative: On behalf of the Independent Community Bankers of America (ICBA), the undersigned...

NortonLifeLock Marketing and Creative Guidelines 10.02.20

Visa Confidential NortonLifeLockTM Marketing & Creative Guidelines October, 2020 v1.0 Visa Confidential 2 NortonLifeLock Issuers that choose to market the new...

EasyAsPIEPresentation2017

Using Reinsurance to  Increase the Yield on  Your Installment  Loans With ICBA Reinsurance and  the Plateau Group August 24, 2017 Independent Community Bankers of America • Advocacy •...

November Content Calendar 2018

Sunday Monday Tuesday Wednesday Thursday Friday Saturday www.icba.org Book Lovers Day Election Day Veteran's Day World Kindness Day Access ICBA's Election Guide #GoLocal Wednesday National...

ICBA Payments Operating Regulations 12.2023

**Confidential** ICBA Payments FIS Credit Services 1 ICBA BANCARD, INC. DBA ICBA PAYMENTS ...

KY - SBA Fact Sheet

Community Bank Small Business Administration Lending KENTUCKY SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

ICBA 1033 Comment Letter

December 29, 2023 Comment Intake—Section 1033 NPR Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 2055 Re: ICBA Comments in Response to Section 1033 Notice of...

Letter to the FDIC Requesting Withdrawal of the Brokered Deposit Proposed Rule

November 21, 2024 Mr. James P. Sheesley Assistant Executive Secretary Attention: Comments—RIN 3064-AF99 Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 ...

Lending_ICBA_ThoughtLeadership2026

THOUGHT LEADERSHIP 2026 To learn more and reserve your space: Contact: Amanda Myrick 651-675-7248 | amyrick@icbabanks.org This companion section to July’s Top-Producing Lenders feature is...

ICBA Testimony for Make Community Banking Great Again Hearing.pdf

Testimony of Rebeca Romero Rainey President and Chief Executive Officer Independent Community Bankers of America On behalf of the Independent Community Bankers of America...

test062817

    On behalf of the more than 5,800 community banks represented by ICBA, we thank Chairman Luetkemeyer, Ranking Member Clay, and members of the Financial Institutions and Consumer...

Stablecoin One Pager

Local Lending Is at Risk Stablecoins pose the threat of siphoning deposits away from community banks, which rely heavily on local deposits to fund lending to Main Street. As deposits and lending ...

Texas-38

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

California-48

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

GA-12

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

ICBA Community Bank Best Practices for Managing Core Processor Relationships

ICBA COMMUNITY BANK BEST PRACTICES FOR MANAGING CORE PROCESSOR RELATIONSHIPS January 2018 The ICBA Community Bank Best Practices for Managing Core Processor Relationships (“Community Bank...

RI - Coverage Fact Sheet

icba.org Community Bank Presence in Contrast RHODE ISLAND Community Bank Branch Locations Community banks in RI represent 100% of all RI counties Community banks average 22 branches per...

Mississippi

icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

OH-6

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

FDIC ILC Rule Comment Letter

Via Electronic Submission July 1, 2020 Mr. Robert E. Feldman Executive Secretary Attention: Comments Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 ...

toolkit-best-practices

2019 Community Bank Media Relations Guide 1 TELL YOUR STORY 2019 COMMUNITY BANK MEDIA RELATIONS GUIDE 2019 Community Bank Media Relations Guide ...

cl071514

July 15, 2014 Honorable Richard Cordray Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Dear Director Cordray: The undersigned...

Indiana-6

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

BPI-ICBA Affirm ILC Comment Letter (2-25-26)vfinalforsubmission.pdf

February 25, 2026 Regional Director Paul Worthing Federal Deposit Insurance Corporation San Francisco Regional Office 25 Jessie Street at Ecker Square Suite 2300 San Francisco, CA...

ICBA Recommendations for Addtional Pandemic Relief

June 24, 2020 The Honorable Mitch McConnell The Honorable Charles Schumer Majority Leader Minority Leader United States Senate United States Senate Washington, D.C. 20510 ...

ICBASummaryofCFPB StudyonOverdraft Programs

        ICBA Summary  Consumer Financial Protection Bureau Study of Overdraft Programs  July 1, 2013   ...

ICBA Payments Operating Regulations FISERV Debit and Credit

ICBA PAYMENTS - FISERV Credit Program Operating Regulations (Fiserv) 1. CONSTRUCTION; INCORPORATION; UPDATES; PRECEDENCE 1.1. Incorporation. These Operating Regulations are incorporated by...

ICBASummaryATRQM

ICBA Summary of the Ability-to- Repay/Qualified Mortgage Rule June 2016 Month Year Mon Contact: Joe Gormley Assistant Vice President & Regulatory Counsel ...