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ICBA Comments on Adopted Regulations and Inherited Regulations

Via electronic submission June 19, 2018 The Honorable J. Michael Mulvaney Acting Director Bureau of Consumer Financial Protection 1700 G Street, NW Washington, DC 20552 Re: Request...

Jul 31, 2025

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Bank Director Program Newsletter March-April

CECL—Post Adoption Considerations By Brittany Stern, CLA Over the last ten years, financial institutions have discussed and debated the Current Expected Credit Loss (CECL) accounting standard....

Jul 31, 2025

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ICBA Minority Bank Advisory Council PSPA Letter

The Honorable Janet Yellen Secretary Department of the Treasury 1500 Pennsylvania Ave, NW Washington, DC 20220 The Honorable Mark A. Calabria Director Federal Housing Finance Agency ...

Jul 31, 2025

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Texas-1

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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USDA Factsheet and Related Docs on Distressed Farmers Assistance

Inflation Reduction Act Section 22006 First Phase of Assistance for Distressed Borrowers Overview On August 16, 2022, President Biden signed the Inflation Reduction Act (IRA) into law. Section...

Jul 31, 2025

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VA-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 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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ICBA Statement for House Hearing on Climate Risk Regulation

www.icba.org/advocacy July 18, 2023 Climate Risk Regulation: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across the...

Jul 31, 2025

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Bulletin Incomplete January 15 e-Reports Bundle 01.17.2025

Bulletin ID: 624551 Topic Type: Issue Ticket: N/A Solutions: BASE2000, Payments One Credit (P1C), TBS - Credit Review Client Action What you need to know On Jan. 15, 2025,...

Aug 7, 2025

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cl050917

May 9, 2017 Mr. Gerald Poliquin Secretary of the Board National Credit Union Administration 1775 Duke Street Alexandria, VA 22314-3428 Re: Alternative Capital Dear Ladies and...

Aug 1, 2025

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New York-12

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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cl121214

December 12, 2014 The Honorable Melvin L. Watt Director Federal Housing Finance Agency 400 7th SW Washington, D.C. 20024 Dear Director Watt: On behalf of the Independent...

Aug 1, 2025

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ICBASummarySmallCreditorFinalRule20151006

ICBA Summary of the Final Rule Expanding the “Small Creditor” & “Rural” Definitions in the Regulation Z Mortgage Rules October 2015 Month Year Mon Contact: Joe Gormley...

Aug 1, 2025

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IL-11

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 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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IB Magazine sunset full page BLEEDS

MARCH 12-16 RE GI ST RA TI ON IS O PE N HAWAII HILTON HAWAIIAN VILLAGE ICBA LIVE is your destination for the latest in community bank education and innovation. Network with fellow ...

Jul 31, 2025

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ltr031716

March 17, 2016 Mr. Russell G. Golden Chairman Financial Accounting Standards Board 401 Merritt 7 Norwalk, CT 06856-5116 Re: Allowance for Loan Losses and the Current Expected...

Aug 1, 2025

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Intermediate Relending Program

Together, America Prospers Intermediary Relending Program What does this program do? This program provides low-interest (1 percent) loans to local lenders – “intermediaries” – who then relend...

Jul 31, 2025

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ICBA Bank Director Program 2020-2021 full page BLEEDS

FOR ONLY $695* YOUR BANK’S ENTIRE BOARD OF DIRECTORS HAS FULL ACCESS TO: Online regulatory compliance training Expert insights delivered through our bimonthly Bank Director News ...

Jul 31, 2025

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New York-23

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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SmallMerchantSecurity_AcquirerClarification_Aug2016_FINAL

VISA PUBLIC Small Merchant Security Program – QIR Requirement Clarifications AUGUST 2016 SUMMARY As part of a broader effort to mitigate small merchant breaches, Visa...

Aug 1, 2025

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MadDashForCash_Flyer_2025_P5

All exhibitors at ICBA LIVE 2025 who advertise in ICBA Independent Banker’s February and March convention-focused issues can participate in Mad Dash for Cash, an exciting exhibit hall event that ...

Oct 4, 2025

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Kansas

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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Bancard Digital Banking Research Webinar 1_26_17

Jeff Gibson Principal Taylor Goldaper Associate Analyst Sanjeev Verma Associate Analyst Implications for Community Banks January 26, 2017 Consumer Insights: Digital Disruption to Banking...

Aug 1, 2025

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19.06.11_Markupltr

June 11, 2019 The Honorable Maxine Waters The Honorable Patrick McHenry Chairwoman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...

Aug 1, 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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Statement for House Hearing on Central Bank Digital Currency Risks

www.icba.org/advocacy September 14, 2023 Central Bank Digital Currency: Significant Risks Must Preclude Adoption The Independent Community Bankers of America, representing community...

Jul 31, 2025

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UT - SBA Fact Sheet

Community Bank Small Business Administration Lending UTAH SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Nov 3, 2025

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The Safe Banking Act of 2019 (H.R. 1595)

Rep. Aguilar, Pete [D-CA-31]* Rep. Barragan, Nanette Diaz [D-CA-44]* Rep. Beyer, Donald S., Jr. [D-VA-8]* Rep. Blumenauer, Earl [D-OR-3]* Rep. Bonamici, Suzanne [D-OR-1]* Rep. Boyle, Brendan...

Aug 1, 2025

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ltr070813

July 8, 2013 The Honorable John Boehner The Honorable Nancy Pelosi Speaker Democratic Leader U.S. House of Representatives U.S. House of Representatives Washington, D.C. 20515 ...

Aug 1, 2025

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CO - SBA Fact Sheet

Community Bank Small Business Administration Lending COLORADO SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Oct 15, 2025

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Directors Club Donors List

Bank Name Primary Contact City State Directors Club Level 1st National Bank of Scotia Mr. John H. Buhrmaster Scotia NY Directors Club Alliance Bank Ms. Shane Pilarski Francesville IN...

Jul 31, 2025

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18.03.14_2155ltr

March 14, 2018 United States Senate Washington, D.C. 20510 Dear Senator: On behalf of the nearly 5,700 community banks represented by ICBA, we ask for your support on the...

Aug 1, 2025

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Administrators Guide

MAY 2025 Page 2 of 44 Table of Contents TECHNICAL REQUIREMENTS ............................................................................................................... 3 ...

Jul 31, 2025

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New York-11

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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ltr071515a

July 15, 2015 United States Senate Washington, D.C. 20510 Dear Senator: On behalf of the more than 6,000 community banks represented by ICBA, I write to request that you demonstrate...

Aug 1, 2025

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MN-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 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Projected Rulemakings on Non-sufficient Funds (NSF) Fees and Overdraft Fees

1 January 3, 2024 The Honorable Rohit Chopra Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Re: Projected...

Jul 31, 2025

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iptv-service-provider-premium-107.pdf

IPTV Providers Review: Best Content And Price --L3@c date:19/01/2026 https://iptvbestprovider.org/ https://iptvbestprovider.org/ https://iptvbestprovider.org/ ...

Jan 16, 2026

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19.08.28_NDAA

August 28, 2019 The Honorable James M. Inhofe Chairman Senate Armed Services Committee 228 Russell Senate Office Building Washington, DC 20510 The Honorable Adam Smith Chairman House...

Aug 1, 2025

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18.11.16_ICBA_Payday_Summary

October 2018 1 | P a g e ICBA SUMMARY OF THE RULE REGARDING PAYDAY, VEHICLE TITLE, AND CERTAIN HIGH-COST INSTALLMENT LOANS I. Background On October 5, 2017, the Bureau of...

Aug 1, 2025

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ltr011614

January 16, 2014 The Honorable Maxine Waters Ranking Member Committee on Financial Services U.S. House of Representatives Washington, D.C. 20515 Dear Ranking Member Waters: On behalf...

Aug 1, 2025

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ICBA Report on Climate Change

www.icba.org CLIMATE CHANGE REGULATION ON COMMUNITY BANKS: Risks of Choking Off Credit to America’s Communities Sept. 2021 http://www.icba.org page 2 Introduction With decades of...

Jul 31, 2025

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Joint Letter on Beneficial Owner Reform Bill

Page 1 of 3 October 7, 2020 The Honorable James Inhofe The Honorable...

Jul 31, 2025

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ND - Coverage Fact Sheet

Community Bank Presence in Contrast NORTH DAKOTA Community Bank Branch Locations Community banks in ND represent 95% of rural* counties 83% of LMI* counties 96% of all ND counties In...

Nov 3, 2025

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Payments Strategy Guide 8 - Digital Wallets

As customer expectations continue to shift, digital wallets—or mobile wallets as they are sometimes called—continue to grow in popularity as a preferred payment option. While adoption in the U.S....

Jul 31, 2025

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19.03.11_VolckerLTR

Via electronic submission March 11, 2019 Legislative and Regulatory Activities Division Office of the Comptroller of the Currency 400 7th Street, SW Suite 3E-218 Washington, DC 20219 ...

Aug 1, 2025

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Certificate of Scholarship

2026 Certificate of Scholarship is pleased to award the NextGen Scholarship to: In honor of your outstanding leadership and dedication to the community banking industry. ICBA Capital Summit...

Feb 10, 2026

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Georgia

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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18.05.14_RegJltr

Aug 1, 2025

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California-50

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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Georgia-13

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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Joint_PACE_Letter_17.04.24

Page 1 of 3 April 24, 2017 The Honorable Brad Sherman U.S. House of Representatives 2181 Rayburn House Office Building Washington, DC 20515 The Honorable Edward Royce U.S. House of...

Aug 1, 2025

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1-ICBA-TIB Consulting-BSA-AML Certification-Unit #1-May 2022

BSA/AML Institute Virtual Live-Stream Session May 3-5, 2022 About ICBA and Community Banker University® The Independent Community Bankers of America®...

Jul 31, 2025

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CFPB Overdraft Proposal

February 2024 ICBA Regulatory Update: Bank Fees Topic/Issue: Overdraft fees and NSF/represented Item fees Agencies: CFPB, FDIC, OCC, FRB, Status: ➢ CFPB o CFPB Circular on...

Aug 7, 2025

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OH - Coverage Fact Sheet

Community Bank Presence in Contrast OHIO Community Bank Branch Locations Community banks in OH represent 100% of rural* counties 100% of LMI* counties 100% of all OH counties In many...

Oct 15, 2025

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OK - Coverage Fact Sheet

Community Bank Presence in Contrast OKLAHOMA Community Bank Branch Locations Community banks in OK represent 100% of rural* counties 100% of LMI* counties 100% of all OK counties In...

Nov 3, 2025

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SC-2

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 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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North Carolina-9

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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Georgia-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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Illinois

Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26 72 A 26 icba.org | info@icba.org |...

Apr 15, 2026

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Maine

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