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Staying True to Our Mission
Staying True to Our Mission In an era of seemingly perpetual political gridlock, it’s important to pause on occasion to consider why we community bankers put so much effort into political advocacy....
Mortgage Relief Recognizes Community Banks’ Unique Role
Mortgage Relief Recognizes Community Banks’ Unique Role It was a long time coming, but persistence paid off when the Consumer Financial Protection Bureau recently updated its mortgage regulations...
Digging Deep and Making a Difference This Holiday Season
Digging Deep and Making a Difference This Holiday Season While many Americans are gearing up for the holiday season, ICBA and community bankers are gearing up for a bustling couple of weeks in...
In ILC Fight, Community Banks Will Not Stand Down
In ILC Fight, Community Banks Will Not Stand Down Since I arrived at the Independent Community Bankers of America in 2003, the conversation about the mixing of banking and commerce has heated up,...
At Our Best in the Worst of Times
At Our Best in the Worst of Times I never cease to be amazed by how community bankers dig the deepest when they are subject to the very worst conditions, as evidenced by the industry’s recent...
Short-Term Investments That Yield Enduring Gains
Short-Term Investments That Yield Enduring Gains As a former community banker, I understand the importance of succession planning as a vital part of an organization’s overall strategy for the...
A Union for the Ages
A Union for the Ages We are in an era of innovative collaborations—where the marriage between technology and service holds the promise of helping community banks deliver more personalized...
The Good Fight
The Good Fight Rebeca Romero Rainey: We need a regulatory environment that supports and encourages community banks like Abacus Federal Savings Bank and we need community bankers like the Sung...
Taking Stock of Your Core Processor Relationship
Taking Stock of Your Core Processor Relationship Three banks sound off on using ICBA's Core Processor Resource Guide as a blueprint for managing this complex, critical and expensive technology...
ICBA 2018 Election Analysis
ICBA 2018 Election Analysis Voters delivered narrow control of the House to Democrats, sharpening oversight of the Trump administration and bringing a raft of new policy initiatives. In a special...
Agencies Improving Appraisal Regs
Agencies Improving Appraisal Regs The federal banking agencies recently responded to industry requests with a proposed rule to increase the threshold where bankers could use a property evaluation...
Shared Values Bring Shared Success
Shared Values Bring Shared Success Community bankers, you outdid yourselves in 2018. As we near the end of this significant year in community banking, it is worth taking a moment to look back and...
With Volcker Rule Exemption, S. 2155 Relief Continues
With Volcker Rule Exemption, S. 2155 Relief Continues As advocated by ICBA since the Volcker Rule was first proposed a decade ago, this additional source of regulatory burden no longer applies to...
Faster Payments: An Overview of Options for Community Banks
Faster Payments: An Overview of Options for Community Banks While all faster payments options have one thing in common—moving money and information faster—there are often distinct...
Minority Banks: Too Important to Lose
Minority Banks: Too Important to Lose With minority depository institutions continuing to serve a crucial role, their decrease from a high of 215 in 2008 to less than 150 today is a significant...
Navigating a New Decade of Payments
Navigating a New Decade of Payments From concerns about Libra to the development of the Federal Reserve’s FedNow real-time payments settlement service, policymakers are poised for action on behalf...
Into the weeds on the QM patch
Into the weeds on the QM patch The debate over housing-finance reform often ends up deep in the weeds, but the esoteric details are often of the utmost importance to community banks. Recent...
Digital Wallets: An Overview
Digital Wallets: An Overview As customer expectations continue to shift, digital wallets—or mobile wallets as they are sometimes called—continue to grow in popularity as a preferred...
Accelerator: Driving Data Analytics and Reducing Fraud
Accelerator: Driving Data Analytics and Reducing Fraud Community banks with fewer resources and less money to invest in technology than their larger counterparts, may view using data analytics as...
New Driver of Payments Growth: Fed Study Shows Debit Transactions As Opportunity for Community Banks
New Driver of Payments Growth: Fed Study Shows Debit Transactions As Opportunity for Community Banks The latest iteration of the Fed’s triennial study showed that in 2018, noncash payments¹...