Legislation and Regulation

With housing affordability a major challenge for prospective buyers, ICBA is calling on community bankers to speak up for regulatory relief, including TRID compliance improvements, appraisal reform, and rightsized mortgage disclosures.

Federal rulemaking delays put community bank deposits—and $850 million in lending—at risk.

How ICBA advocated for community banks from Congress to the White House.

SPONSORED | The recently enacted 21st Century ROAD to Housing Act marks a significant shift in how U.S. banks can use reciprocal deposits—an established but increasingly important tool for deposit growth and local lending.

ICBA is helping community banks navigate the AI-accelerated threat landscape.

A healthy pipeline of new community bank charters keeps the industry competitive and helps support local economies. Learn what ICBA is doing to make sure new bank formation doesn’t stall out.

Discover how ICBA is addressing financial fraud with advocacy, resources, and legislative support. Learn how community banks can combat evolving fraud threats and protect their customers.

Stablecoin, the GENIUS act and CFPB activity are focuses for community bank advocacy this year.

Community banks have struggled under one-size-fits-all regulations for years. But change is on the horizon as ICBA-backed legislation to ease exam cycles and modernize deposit treatment gains traction in the House and heads to the Senate for consideration.