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As Washington targets overdraft, community banks remain customer-focused
Officials in Washington have in recent months increased their focus on overdraft programs and policies. With community banks already subject to strict overdraft regulations, ICBA and community...
As Payments Grows in Importance, ICBA Actively Engages Key Policymakers
The importance of experienced advocacy of community banks’ payments needs has never been greater, which is why the ICBA Payments and Technology Policy team has imbedded resources into...
Merchants and Consumers Benefit from Credit Card Rewards Programs
The first rewards credit card was introduced by American Airlines in 1934 to help it sell tickets. Ninety years later, merchants accepting credit cards and issuing co-branded rewards cards continue...
A Decade in the Making, FedNow Pushes Faster Payments Forward
The FedNow Service’s launch is a milestone in the Fed’s payments improvement journey, but it does not mark the end of the path. In the near term, ICBA urges community banks to focus on faster...
FedNow is Live. Now What?
FedNow launched on July 20—with eager anticipation from the payments industry. But in the past month, we’ve not heard much about transaction volume, use cases, or user experiences.
Crypto Collapses and Security Concerns Renew Debate Over Digital Assets Policy
Remaining aware of developments in the digital assets industry is critical as crypto entities seek greater access to the traditional financial system and policymakers in Congress deliberate paths...
Four things to know about faster and instant payments
Consumers and businesses are increasingly using payment platforms that allow them to pay or transfer money faster than ever before, with U.S. faster payments transactions topping $900 billion in 2020.
Community Banking Month: Celebrating Servant Leadership
Paying it forward — or repaying a kindness received with a good deed to someone else — is more than a concept, it’s put into practice every day at the nation’s community banks.
How community banks can combat the rise of check fraud
In recent years, community banks across the nation have seen a drastic rise in check fraud. To compound the issue, many community banks are faced with challenges getting funds reimbursed from the...
What You Need to Know about the Reg II Update
July 1 is the compliance date for the clarification to Regulation II, which the Board of the Federal Reserve System approved in October. While this requirement has applied to card-present...
ICBA Community Launches with Nearly 1,000 Members in First Week
It’s been an exciting week at ICBA. After months of behind-the-scenes work to fulfill our vision of building an online national professional network exclusively for community bankers, our ICBA...
After 15 Years, the Federal Government Should End its Conservatorship of Fannie Mae and Freddie Mac
A lot has changed in the 15 years that Fannie Mae and Freddie Mac have been in federal conservatorship, including a restoration of the health of the mortgage market and the financial strength of...
ICBA ThinkTECH Solutions Forum: A Pitch and Probe Approach to FedNow Solutions
Innovation, like time, is constantly moving forward, which is why even before we wrapped up our 2023 ICBA ThinkTECH Accelerator program, plans were well underway for the first of three ICBA...
The Fintech Assist: What Community Banks Can Expect Next in Fintech Payments
Sixty percent of all fintech startups are intersecting with the payments space in some manner. Increasingly, they’re partnering with banks or targeting their offerings directly to support community...
Sheltered Harbor Continues Expansion to Protect Against Rise of Malware
With traditional backup and recovery systems at risk of compromise in the event of a malware attack on IT systems, ICBA helped found the Sheltered Harbor initiative to protect against cybercrime.
Domestic Regulatory Environment for Digital Assets Continues to Evolve
The significant upheaval in the crypto markets has accelerated Washington’s attention to digital assets policy.
The Howey Test, Crypto, and Community Banks: How the Debate between the SEC and CFTC Impacts Community Banks
What is the true nature of cryptoassets? Are they securities or commodities? This question, perhaps more than any other, has propelled policy debates over the past few years.
ICBA’s Rebrand: Writing the Next Chapter for Community Banking
Our mission is central to everything we do, and the pride that comes from that every day is nothing short of inspiring. Much like the community banks we serve, ICBA is continuously evolving,...
Beyond Cards: ICBA Payments Launches to Help Community Banks Meet Their “Why”
As payments has evolved, so has ICBA Bancard, and with that came the opportunity to rebrand who we are in light of our why. I’m proud to introduce ICBA Payments.
ICBA: Accelerating Community Bank Innovation
This time of year, we take stock of our accomplishments and look ahead to the possibilities and opportunities awaiting us in the coming year. Certainly, when it comes to blazing ICBA’s innovation...