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Bank Director Program Newsletter - Sept. Oct. 2019

September/October 2019 COMMUNITY BANK DIRECTOR NEWSLETTER Continued on page 5 A 30,000 Foot Overview of Reg. O By Cliston V. “Doc” Bodine, III Regulation O (12 C.F.R. Part 215), or “Reg. O”...

Aug 1, 2025

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Why Digital Payments Strategy Oct 2019

The Significance of Digital Payments and a Digital Payments Strategy Digital payments continue to grow in popularity as an easy-to-use way for both businesses and consumers to make payments....

Aug 1, 2025

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BSA White Paper

MODERNIZING ANTI-MONEY LAUNDERING AND ANTI-TERRORIST FINANCING LAWS AND REGULATIONS White Paper July 2018 www.icba.org http://www.icba.org page 2 TABLE OF CONTENTS Introduction...

Aug 1, 2025

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CISA Insights - Ransomware Outbreak

August 21, 2019 CISA INSIGHTS Ransomware Outbreak The Threat and How to Think About It Ransomware has rapidly emerged as the most visible cybersecurity risk playing out across our nation’s...

Aug 1, 2025

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Non-discrimination Policy

INDEPENDENT COMMUNITY BANKERS OF AMERICA NON-HARASSMENT, DISCRIMINATION AND RETALIATION POLICY ICBA expressly prohibits discrimination, harassment and retaliation based on race, color,...

Jul 31, 2025

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Regulatory Update - CDFI Fund_(Updated May 2025)

May 2025 ICBA Regulatory Update: CDFI Fund – Protecting the Fund and Fighting Changes to Certification Topic/Issue: CDFI Fund – Protecting the Fund and Fighting Final Changes to...

Aug 7, 2025

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ICBA_Millennial Homeownership_04032018

© 2018 Fannie Mae. Trademarks of Fannie Mae. February 2018 1 of 1 Millennials picking up the pace when it comes to home buying The millennial generation now encompasses the 25–34 age...

Aug 1, 2025

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ltr011714

January 17, 2014 U.S. Senate Washington, DC 20510 Dear Senator: The recent security breaches at Target, Neiman Marcus and others have made headlines and affected tens of millions of...

Aug 1, 2025

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Visa - American Mood Trend Aug 2020

©2020 Visa. All Rights Reserved. Visa Business and Economic Insights July consumer confidence fell, led by faltering future expectations Business expectations also worsened slightly ...

Jul 31, 2025

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Michigan-8

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...

Jul 31, 2025

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cl121113

December 11, 2013 Office of the Secretary Public Company Accounting Oversight Board 1666 K Street, NW Washington, DC 20006 Re: Proposed Auditing Standards: The Auditor’s Report on an...

Aug 1, 2025

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MA - Coverage Fact Sheet

Community Bank Presence in Contrast MASSACHUSETTS Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports,...

Nov 3, 2025

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ltr090117

September 1, 2017 The Honorable Mitch McConnell The Honorable Charles E. Schumer Majority Leader Minority Leader U.S. Senate U.S. Senate Washington, D.C. 20510 ...

Aug 1, 2025

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Community Bank Credit Analyst

For more detailed information | icba.org/certification | 800-422-7285 Share Certification Success Community bankers who achieve certification earn a digital badge and can effortlessly share with...

Aug 7, 2025

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INSTRUCTIONS FOR COMPLETING ICBA BANCARD AUTHENTICATION OPTION

INSTRUCTIONS FOR COMPLETING ICBA BANCARD / CARDINALCOMMERCE VCAS AUTHENTICATION FORMS For Visa BIN Owned Issuers Only: 1.) Complete the CardinalCommerce Visa 3D Secure Client Onboarding...

Aug 1, 2025

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Joint Supplemental Letter Responding to Request for Information on Data Privacy

Joint Financial Trades Supplemental Letter to the House Energy & Commerce Committee Request for Information Data Privacy August 19, 2025 Chairman Guthrie and Vice Chairman Joyce, we...

Sep 17, 2025

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CRA Comment Period Extension Request Banking Trades Joint Letter

May 31, 2022 Submitted via email to: comments@fdic.gov, regs.comments@federalreserve.gov, and Senior Deputy Comptroller for Bank Supervision Grovetta Gardineer James P. Sheesley ...

Jul 31, 2025

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Arkansas

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...

Jul 31, 2025

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cl102113

October 21, 2013 Legislative and Regulatory Activities Division Office of the Comptroller of the Currency 400 7th Street, SW Suite 3E-218, Mail Stop 9W-11 Washington, DC 20219 Mr....

Aug 1, 2025

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Comments on Subordinated Debt Rule

December 5, 2022 Melane Conyers-Ausbrooks Secretary of the Board National Credit Union Administration 1775 Duke Street Alexandria, Virginia 22314-3428 RE: SUBORDINATED DEBT PROPOSED RULE...

Jul 31, 2025

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Indiana-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...

Jul 31, 2025

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ICBA LETTER IN SUPPORT OF KIMBERLY REED FOR EX-IM PRESIDENT (004)

July 3, 2018 The Honorable Mike Crapo The Honorable Sherrod Brown Chairman Ranking Member Committee on Banking, Housing, Committee on Banking, Housing, & Urban Affairs &...

Aug 1, 2025

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2018 Editorial Calendar

Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 8 15 22 29 7 14 21 28 9 10 17 24 31 16 23 30 11 18 25 12 19 26 2 3 4 5 6 13 20 27 Get our favorite tips for ...

Aug 1, 2025

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cl120814

Submitted Electronically http://www.regulations.gov December 8, 2014 Director Loan Making Division, FLP/FSA U.S. Department of Agriculture 1400 Independence Avenue SW., Stop 0522 ...

Aug 1, 2025

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ME

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...

Jul 31, 2025

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GA - Coverage Fact Sheet

Community Bank Presence in Contrast GEORGIA Community Bank Branch Locations Community banks in GA represent 98% of rural* counties 96% of LMI* counties 97% of all GA counties In many...

Oct 15, 2025

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New Jersey-10

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...

Jul 30, 2025

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ltr031915

March 19, 2015 The Honorable Andy Barr U.S. House of Representatives Washington, D.C. 20515 Dear Representative Barr: On behalf of the 6,400 community banks represented by the...

Aug 1, 2025

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Iowa

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the...

Jul 31, 2025

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18.04.19_SCorpLtr

April 19, 2018 The Honorable Orrin G. Hatch The Honorable Ron Wyden Chairman Ranking Member Committee on Finance Committee on Finance United States Senate United States Senate ...

Aug 1, 2025

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CoreTech_ICBA_ThoughtLeadership2025_AMANDA.pdf

THOUGHT LEADERSHIP 2025 To learn more and reserve your space: Contact: Amanda Myrick 651-675-7248 | amyrick@icbabanks.org Guest Experts: Core Technology Space Reservation Due: February 18th,...

Oct 4, 2025

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ICBA Comment on CFPB Nonbank Supervision

May 31, 2022 Via Electronic Submission Comment Intake—Supervisory Authority Over Certain Nonbank Covered Persons Based on Risk Determination; Public Release of Decisions and Orders ...

Jul 31, 2025

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ICBA LETTER IN SUPPORT OF COMM BANK PROVISIONS IN HOUSING LEGISLATION.pdf

March 16, 2026 The Honorable John Thune The Honorable Charles Schumer Majority Leader Minority Leader United States Senate United States Senate Washington, D.C. 20510 ...

Mar 16, 2026

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Bank Director Program Newsletter September - October

What Directors Should Know About the Liquidity Crisis By Peter Weinstock, Financial Institutions Group of Hunton Andrews Kurth LLP “A recession is when your neighbor loses his job. A depression...

Aug 7, 2025

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Pennsylvania-10

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...

Jul 30, 2025

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WI

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...

Jul 31, 2025

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Louisiana

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...

Jul 31, 2025

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TX

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...

Jul 31, 2025

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Do They Know They're Tax Exempt

DO THEY KNOW THEY’RE TAX EXEMPT? October 2019 www.icba.org http://www.icba.org page 2 Do They Know They’re Tax Exempt? AN ECONOMIC ANALYSIS OF CREDIT UNIONS’ TAX EXEMPTION Executive...

Aug 1, 2025

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Sponsored Content.pdf

Online Content Marketing Sponsored Content or Video Package Share your messaging on independentbanker.org. Each package includes: • A homepage teaser of your article or video with a ...

Feb 25, 2026