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What Does the Faster Payments Revolution Mean for Community Banks?
What Does the Faster Payments Revolution Mean for Community Banks? Tina Giorgio: My goal is not only to ensure that community banks stay relevant when it comes to real-time payments but ensure that...
Plan for Financial Technology Success
Plan for Financial Technology Success Tina Giorgio: The opportunities presented by financial technology are ripe for the picking but sorting through them all to find the solution that delivers the...
3-2-1 We Have Contactless!
3-2-1 We Have Contactless! Tina Giorgio: Contactless transactions include everything from flashing your watch at the point-of-sale to paying for your groceries, via your refrigerator. As “smart”...
Navigating the New Norm with Digital Optimization
Navigating the New Norm with Digital Optimization In determining what this new business-as-usual will look like for your bank, it is important to identify where your customers are now and how their...
Safeguarding Against Fraud in a COVID-19 Era
Safeguarding Against Fraud in a COVID-19 Era Despite numerous warnings from the FBI, IRS and others, fraudsters are capitalizing on the pandemic to take advantage of consumers, highlighting the...
Three Reasons You’re Not Achieving Your Leadership Goals
Three Reasons You’re Not Achieving Your Leadership Goals Tina Giorgio: Vince Lombardi had it right when he stated that, “Leaders aren’t born, they are made.” Leadership is a process. And, like any...
2018: A Year of Fresh..
2018: A Year of Fresh.. Tina Giorgio: In an e-book published last week by PYMNTS.com, “Fresh” is how I described payments in 2018. I can’t think of a time when we’ve seen as many innovations emerge...
Real Talk About Real-time Payments
Real Talk About Real-time Payments Tina Giorgio: There are many factors involved in creating a successful real-time payment system and one of those factors is education. This month I have invited...
ThinkTECH Accelerator Finalists Demonstrate Their “Whys”
ThinkTECH Accelerator Finalists Demonstrate Their “Whys” Tina Giorgio: Whether I’m working with banking professionals or with entrepreneurs in the fintech space, I have one key piece of advice: I...
COVID-19: Considerations for Card Issuers
COVID-19: Considerations for Card Issuers Community banks are the stars of the financial services industry, and during times of crisis community bankers burn brightly to provide a guiding light to...
Reflecting on ICBA Bancard’s 35-Year History of Success
Reflecting on ICBA Bancard’s 35-Year History of Success In celebration of ICBA Bancard’s 35th anniversary, I sat down with our Chairman Greg Deckard, president, CEO and chairman of State Bank...
Positioning ICBA Bancard for the Future: What’s Your Why?
Positioning ICBA Bancard for the Future: What’s Your Why? Back in 1985, the first Macintosh computer debuted, and by today’s standards, it was a boxy, clunky, slow unit, yet Consumer Reports gave...
The Big Trouble with Big Tech
The Big Trouble with Big Tech Last month Google unveiled its new Google Pay app—complete with a DDA-like account attached. This latest effort by Google is part of a trend of non-bank tech companies...
Why Fraud Alerts Matter—and How to Get Customers to Respond Accurately
Why Fraud Alerts Matter—and How to Get Customers to Respond Accurately One of the challenges of managing card fraud is that so much of our response depends on the cardholder. We can put advanced...
Lies Can’t Disguise Fraud: Community Banks Face Rising First-Party Fraud Losses
Lies Can’t Disguise Fraud: Community Banks Face Rising First-Party Fraud Losses Community banks are reporting fraud losses, becoming the largest source of portfolio losses, according to recent data...
Translating industry complexity into competitive advantages for community banks: Introducing Chrissy Ahern
Translating industry complexity into competitive advantages for community banks: Introducing Chrissy Ahern Get to know the staff members that support your bank and its payments business. We’re here...
Fighting holiday fraud through customer awareness
Fighting holiday fraud through customer awareness As the holidays approach, Citizens Bank is gearing up for a boost in holiday spending and fraud-related activity. As the holidays approach,...
Strategies for Maximizing Debit Card Use
Strategies for Maximizing Debit Card Use We’ve come a long way since ATM cards launched at our bank in 1982: Now, debit cards are the payment of choice We’ve come a long way since ATM cards...
Navigating a New Form of Authorization Fraud
Navigating a New Form of Authorization Fraud Move over traditional card fraud, there’s a new kind of attack in town: nuanced authorization fraud. Move over traditional card fraud, there’s a new...
Debit as a Relationship Asset: Regulatory Developments Community Banks Should Watch
Debit as a Relationship Asset: Regulatory Developments Community Banks Should Watch With more than 100.7 billion transactions processed in 2023 alone—up from 37 billion in 2009—debit represents...
Fed reminder: One month to prepare for ISO 20022 implementation
The Federal Reserve reminded banks it will adopt the ISO 20022 message format for the Fedwire Funds Service on Monday, July 14. The existing proprietary Fedwire Application Interface Manual format...
OCC: Preemption is a cornerstone of the dual banking system
Acting Comptroller of the Currency Rodney Hood reaffirmed the OCC’s support of preemption as a cornerstone of the dual banking system and fundamental to the operation of the federal banking system.
House passes ICBA-backed legislation to protect SBA lending
The House of Representatives passed ICBA-backed legislation to protect the integrity of the Small Business Administration 7(a) program so it can continue to reach more borrowers and support local...
ICBA: More needs to be done to curtail crypto scams
ICBA said it strongly supports a Financial Crimes Enforcement Network proposed rule to designate the Huione Group as a primary money laundering concern, but it said more needs to be done to curtail...
ICBA, state affiliates urge Senate to include ACRE Act in tax bill
ICBA and its 44 state affiliates this week called on senators to include the ACRE Act (S. 838) in the tax portion of the Senate reconciliation bill, noting it is bipartisan legislation that would...
ICBA, state affiliates urge Senate to include ACRE Act in tax bill
ICBA and its 44 state affiliates called on senators to include the ACRE Act (S. 838) in the tax portion of the Senate reconciliation bill, noting it is bipartisan legislation that would reduce high...
Nominations open for Best Community Banks to Work For awards
ICBA’s Independent Banker magazine opened nominations for its 2025 Best Community Banks to Work For awards, sponsored by FIS.
ICBA-backed bill to support minority banks reintroduced
Rep. Joyce Beatty (D-Ohio) reintroduced ICBA-supported legislation to codify a Treasury Department program to support minority depository institutions and other community banks.
ICBA advocates changes to state law at check fraud meeting
ICBA and a group of community bankers met with the Uniform Commercial Code's Permanent Editorial Board at a national stakeholders' meeting to advocate changes to state law to better address check...
Michelle Bowman confirmed as Federal Reserve vice chair for supervision
ICBA congratulated Federal Reserve Governor Michelle Bowman following last night’s Senate vote confirming her ICBA-advocated nomination to serve as Fed vice chair for supervision.
ICBA Congratulates Michelle Bowman on Confirmation as Federal Reserve Vice Chair for Supervision
The Independent Community Bankers of America (ICBA) congratulated Federal Reserve Governor Michelle Bowman on today’s Senate vote confirming her ICBA-advocated nomination to serve as Fed vice chair...
Hood: OCC seeking community bank input on AI
Acting Comptroller of the Currency Rodney Hood said the OCC wants to develop artificial intelligence guidance and tools that ensure that all banks can modernize and remain competitive.
Fed lifts growth restriction on Wells Fargo
The Federal Reserve announced that Wells Fargo is no longer subject to the asset-growth restriction from its enforcement action against the bank.
Independent Banker Magazine Unveils 2025 “40 Under 40: Community Bank Leaders”
Independent Banker magazine, the award-winning monthly publication of ICBA, has announced its seventh annual 40 Under 40: Community Bank Leaders list, recognizing the rising stars transforming...
Independent Banker highlights 40 under 40
This month’s Independent Banker magazine recognizes the seventh annual "40 Under 40" list of emerging community bankers who are making a difference in their communities.
CFPB seeks to vacate ‘unlawful’ 1033 rule
The Consumer Financial Protection Bureau asked a federal court to vacate its 1033 rule on consumer data security and privacy, saying the rule is unlawful.
Senate moves to bring Bowman nomination to a vote
Senate Majority Leader John Thune (R-S.D.) moved to bring to a vote the nomination of Michelle Bowman to be the Federal Reserve’s vice chair for supervision.
Agencies sunsetting cybersecurity tool in August
ICBA is reminding community bankers that federal regulators’ Cybersecurity Assessment Tool is scheduled to sunset on Aug. 31.
New Credit Union Acquisition of Community Bank Underscores Need for Policy Action
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement after a new acquisition of a tax-paying community bank in Arizona by a...
Treasury seeks input on modernizing payments
The Treasury Department announced it is seeking public input on its plans to transition federal disbursements to electronic payments.