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Multi-Factor Authentication – Widely Adopted, Effective Protection
Multi-Factor Authentication – Widely Adopted, Effective Protection Static passwords alone are no longer a viable tool for identifying customers. With payments fraud rising year after year, and...
Understanding Velocity BIN Attacks and How to Address Them
Understanding Velocity BIN Attacks and How to Address Them It’s Friday night and you are enjoying your well-deserved, stress-free night when your work phone rings. It’s your call center manager...
Telltale signs to avoid becoming a victim of a social engineering attack
Telltale signs to avoid becoming a victim of a social engineering attack The financial services industry is constantly under siege against would-be fraudsters seeking to exploit...
Using Loyalty Programs to Grow Your Portfolio
Using Loyalty Programs to Grow Your Portfolio Loyalty programs are a tremendous tool for community banks to build trust with consumers and deliver an enhanced shopping experience. These cardholder...
Grow and Protect
Grow and Protect I’m a glass-half-full banker. So, while we can look at 2021 as a year of challenges, we should also take a moment to recognize the opportunities that have emerged in their wake....
ICBA to CFPB: Extend inquiry of largest tech firms
ICBA to CFPB: Extend inquiry of largest tech firms The Consumer Financial Protection Bureau should extend its inquiry of the six largest technology companies to all tech firms that participate in...
Growing your credit portfolio starts with knowing the numbers
Growing your credit portfolio starts with knowing the numbers You’ve probably heard the saying, “the numbers don’t lie” and in the financial world, it is more than a cliché it’s usually a fact....
Independent Banker focuses on faster payments
Independent Banker focuses on faster payments This month’s ICBA Independent Banker magazine focuses on the race for faster payments. This month’s ICBA Independent Banker magazine focuses on the...
Webinars feature RTP, FedNow updates
Webinars feature RTP, FedNow updates ICBA and ICBA Bancard next week are kicking off a complimentary webinar series on how community banks can plan for their instant payments journey. ICBA and ICBA...
Complimentary central bank digital currency webinar tomorrow
Complimentary central bank digital currency webinar tomorrow ICBA is hosting a complimentary one-hour webinar at 11 a.m. (Eastern time) tomorrow, Oct. 26, to provide ICBA members with foundational...
Top stablecoin issuer fined $41M over reserve claims
Top stablecoin issuer fined $41M over reserve claims The Commodity Futures Trading Commission fined Tether, the largest stablecoin issuer, $41 million for misleading claims that its U.S. dollar...
Public-private partnership key to CBDC: report
Public-private partnership key to CBDC: report A future central bank digital currency system would need to involve both public and private actors to ensure interoperability with the broader payment...
Treasury crypto sanctions portend broad regulatory response
Treasury crypto sanctions portend broad regulatory response Financial regulators on Tuesday began cracking down on cryptocurrency exchanges and laid out significant concerns with digital assets....
ICBA to Fed: Analyze Impact of Interchange Updates Before Finalizing Changes
ICBA to Fed: Analyze Impact of Interchange Updates Before Finalizing Changes ICBA today said the Federal Reserve Board should not update debit card interchange regulations without first fully...
Blog: Faster payments have arrived — now what?
Blog: Faster payments have arrived — now what? The pandemic has accelerated the implementation of instant payments and the need for community banks to have a strategy in place, according to the...
Fed outlines instant payments fraud considerations
Fed outlines instant payments fraud considerations The Federal Reserve released an article on fraud management considerations to evaluate when preparing for instant payments The Federal Reserve...
FDIC requests comments on digital assets
FDIC requests comments on digital assets The FDIC requested comments within 60 days about insured depository institutions’ current and potential digital asset activities. The FDIC requested...
Fed proposes changes to interchange regs
Fed proposes changes to interchange regs The Federal Reserve Board invited public comment on proposed changes to Regulation II (Debit Card Interchange Fees and Routing). The Federal Reserve Board...
Fed proposes standards for accessing Fed accounts, payments system
Fed proposes standards for accessing Fed accounts, payments system The Federal Reserve Board proposed guidelines for evaluating requests for accounts with the Fed and access to the payments system,...
Powell talks economy, digital currencies
Powell talks economy, digital currencies Federal Reserve Chairman Jerome Powell said the economy is at an “inflection point” and could experience rapid growth upwards of 6 percent or 7 percent this...
Bill would require Fed study on CBDC
Bill would require Fed study on CBDC Reps. Bill Foster (D-Ill.) and French Hill (R-Ark.) recently introduced legislation directing the Federal Reserve to work with other agencies to study and issue...
Large payments companies move to single exam
Large payments companies move to single exam The Conference of State Bank Supervisors said 13 nationwide payments firms have undergone or are undergoing their single comprehensive exams during the...
New Same Day ACH window in effect this month
New Same Day ACH window in effect this month Nacha's new rule allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day takes effect on at...
ICBA seeks more gradual increase of same-day ACH limits
ICBA seeks more gradual increase of same-day ACH limits ICBA said it supports Nacha's plan to raise the individual same-day ACH transaction limit from $100,000 to $1 million in 2022. However, ICBA...
IRS: 13M EIPs going to temporary tax-prep accounts
IRS: 13M EIPs going to temporary tax-prep accounts The IRS said roughly 13 million second-round Economic Impact Payments went to temporary accounts used by the tax-preparation industry. Those...
Payments continue going digital: BIS
Payments continue going digital: BIS The Bank for International Settlements reported sizable growth in digital payments across many leading economies prior to the coronavirus pandemic. The Bank for...
ICBA urges Congress to join debate over payments charter
ICBA urges Congress to join debate over payments charter ICBA and other groups this week urged Congress to get involved in the OCC's efforts to grant commercial companies like Amazon or Facebook a...
Preserving the Integrity of the Bank Charter: The Community Bank Perspective
Preserving the Integrity of the Bank Charter: The Community Bank Perspective Community banks welcome technological innovation, but we must also recognize that technological change underscores the...
ICBA to Fed: Speed Up FedNow Launch
ICBA to Fed: Speed Up FedNow Launch The Independent Community Bankers of America today called on the Federal Reserve to accelerate implementation of its FedNow real-time payments service....
ICBA Bancard Launches Digital Payments Strategy Guide
ICBA Bancard Launches Digital Payments Strategy Guide ICBA Bancard, the payments services subsidiary of ICBA, announced the launch of its interactive tool to help its community bank clients create...
Fed announces details of real-time payments service
Fed announces details of real-time payments service The Federal Reserve Board released details of its forthcoming FedNow real-time payments service, which it is seeking to launch in 2023 or 2024....
ICBA opposes OCC talk of narrow-purpose payments charter
ICBA opposes OCC talk of narrow-purpose payments charter ICBA and other groups expressed opposition to the OCC's recent discussions to offer a narrowly focused payments charter. ICBA and other...
ICBA Bancard Names Octavia Washington AVP, Operations Analyst
ICBA Bancard Names Octavia Washington AVP, Operations Analyst ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America, today announced that Octavia Washington has...
ICBA FAQs detail Economic Impact Payments
ICBA FAQs detail Economic Impact Payments ICBA updated its frequently asked questions on the federal response to the COVID-19 pandemic with information on Economic Impact Payments—the federal...
ICBA Bancard Celebrates 35 Years of Service to Community Banks
ICBA Bancard Celebrates 35 Years of Service to Community Banks ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America, is celebrating its 35th anniversary during the...
Leverage the Power of AI to Predict Delinquencies
Leverage the Power of AI to Predict Delinquencies Artificial intelligence is a hot topic across all lines of business in all industries, and banking is no exception. How an institution views AI’s...
Main Street Victory: ICBA Applauds Fed on Real-Time Payments Decision
Main Street Victory: ICBA Applauds Fed on Real-Time Payments Decision ICBA today applauded the Federal Reserve for its decision to develop a real-time payments system—a longtime ICBA priority. ...
Fed Close on Faster Payments—Make Some Noise
Fed Close on Faster Payments—Make Some Noise With the Federal Reserve closing in on its decision about whether to take a leadership role in faster payments, ICBA is urging community bankers to...
Podcast Features Community Bank Payment Trends
Podcast Features Community Bank Payment Trends ICBA Bancard’s Tina Giorgio and TCM Bank’s Damon Moorer were featured in the latest This Month In Banking podcast by the Kafafian Group. The 30-minute...
Visa: EMV Shift Crushing Counterfeit Fraud
Visa: EMV Shift Crushing Counterfeit Fraud The shift to EMV chip technology has reduced card-present counterfeit payment fraud by 82 percent at chip-enabled merchants, Visa said. More than 3.1...
Boston Fed Encourages Tokenization Collaboration
Boston Fed Encourages Tokenization Collaboration Federal Reserve Bank of Boston researchers encouraged stakeholders to continue collaborating on the development of payment tokenization. Noting that...
ICBA Comments on Real-time Monitoring of Fedwire Transfers
ICBA Comments on Real-time Monitoring of Fedwire Transfers ICBA responded to a Federal Reserve Board request for comment regarding a proposed change to its policies for measuring intraday credit or...
Giorgio Shares Finovate Observations
Giorgio Shares Finovate Observations In a new blog post, ICBA Bancard President and CEO Tina Giorgio recaps the latest financial technology innovations showcased during last month’s Finovate...
ICBA Supports Fed’s Faster Payments Recommendations
ICBA Supports Fed’s Faster Payments Recommendations ICBA today voiced support for the Federal Reserve Faster Payments Task Force’s final report detailing its ten recommendations to enhance the...
ICBA Supports Repeal of Price Controls on Debit Card Interchange
ICBA Supports Repeal of Price Controls on Debit Card Interchange Rep. Randy Neugebauer’s bill would reverse costly policy Washington, D.C. (June 15, 2016)—The Independent Community Bankers of...
ICBA Supports Revisions to Remittance Rule
ICBA Supports Revisions to Remittance Rule Updates Help Ensure Continued Access to Remittance Transfers for Community Bank Customers Washington, D.C. (May 1, 2013)— The Independent Community...
Charles Potts: The Process of Bringing Innovation to You
Technology has become an integral part of success in banking.
Jacob Eisen: A Can't-Miss Business Card Opportunity
Thirty-four percent of small businesses in the U.S. are not comfortable with their cash flow in today’s economy, according to the U.S. Chamber of Commerce Small Business Index for Q1 2025.
Maximizing Profitability with Today's Point-of-Sale Tech
The goal of community banks in a digital age: Be top of wallet. Learn how to take advantage of growing POS innovations like digital wallets.
Charles Potts: Turning Strategy Into Success With the Right Tech
In the current economic environment, your bank’s strategy is worth its weight in gold.
Unlocking Strategic Advantages with ECM Technology
Selecting the right ECM solution for your financial institution can unlock strategic advantages.
Jacob Eisen: Changing for the Better
Winston Churchill famously said, “To improve is to change, so to be perfect is to have changed often.”
What Role Will Your Core Play in Open Banking?
The CFPB’s open banking rule opens financial data to authorized third parties. Will your core processor be ready if it takes effect?
5 Ways Community Banks Can Take Advantage of FedNow
FedNow has solidified its place in the banking industry, and now’s the time for community banks to get in on the action. Learn how your bank can ease the instant payments system into its operations.
Proven Practices For Back-Office Efficiency
Shrinking net interest margins, rising costs, and manual processes challenge community banks to maintain efficiency and profitability in a competitive market.
IT MSP, Integris, Reveals Top IT Trends for the Second Year in New Report, “Understanding US Banks’ Annual IT Spend in 2025”
Discover where banks stand on technology in 2025! Our survey of 1,000+ bank executives reveals IT’s growing role, key infrastructure needs, cybersecurity concerns, and economic impacts.
Loan Pricing strategies: Don’t let your bank become a Castaway.
With rapidly changing market conditions, your bank could easily find itself isolated like Tom Hanks in Castaway, on a desert island alone.
Jacob Eisen: The Difference Between Direct and Agent Bank Credit Card Programs
Credit cards remain the most widely used credit product in the U.S., and the Federal Reserve’s latest payments study points to a continued climb in the number of card transactions, their overall...
Kick Lending Up a Notch With Digital Solutions
Increased efficiency and fewer errors are just two of the benefits of digitalizing your loan production process.
Future-Proofing Community Banks: Upgrading Check Processing to Enhance Security, Efficiency, and Remain Competitive
Checks remain vital, requiring banks to consolidate systems for better efficiency and fraud mitigation. Modern solutions enhance security, streamline processing, and provide real-time fraud detection.