2015 Community Bank Compliance Lending 
Abrigo
AUGUST 3, 2015
According to a recent survey by the American Bankers Association (ABA), more than 46 percent of respondents had to reduce offerings for loan or deposit accounts, or other services, at their bank because of regulatory compliance burdens. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.
Abrigo
FEBRUARY 2, 2015
For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.
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Independent Banker
DECEMBER 13, 2015
New Military Lending Act regulations kick in next fall. Following a three-year study on predatory lending, the U.S. Department of Defense has now issued the final rule to implement the Military Lending Act. 1, 2015, and compliance with the rule is required by Oct. 3, 2016, compliance date.
CFPB Monitor
SEPTEMBER 21, 2015
The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.
Independent Banker
DECEMBER 28, 2015
Far more than any other issue, regulatory compliance is the biggest challenge community bankers experienced in 2015, with 43 percent naming it as such in ICBA’s State of the Community Banking Industry survey. First Security, a $180 million-asset community bank in New Salem, N.D.,
Abrigo
OCTOBER 2, 2014
• Leverage ratio – Includes off-balance sheet exposures and will serve as a “backstop to the risk-based capital requirement,” but could lead to reduced lending. • Liquidity Coverage Ratio – Will require banks to have “sufficient high-quality liquid assets to withstand a 30-day stressed funding scenario.”
Independent Banker
SEPTEMBER 21, 2015
Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.
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