Jeff For Banks

FEBRUARY 4, 2023

Factors supporting this outlook include the ongoing rollout of COVID-19 vaccines, improving consumer and business confidence, and accommodative monetary policy from the Federal Reserve. Additionally, the implementation of new policies by the government, such as changes to taxes and regulations, could also influence economic outlook.

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Independent Banker

DECEMBER 28, 2015

This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. Few would have thought a highway bill would become the vehicle that would allow multiple community bank regulatory relief provisions to be signed into law by the president.

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Jeff For Banks

MARCH 5, 2021

Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? Another challenge is imposed by the very government that tries to assist LMI households: regulation.

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Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. Washington Policy Summit. By Courtney Schoenborn.

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Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

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Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

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Jeff For Banks

FEBRUARY 3, 2017

Third, the explosion in regulations over the past eight years has served to hinder businesses, especially new small business formation, and has drained valuable resources as compliance costs soared. I have news for them; it takes a lot longer for fiscal policy to translate to growth than you think.

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Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance.

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Jeff For Banks

JUNE 2, 2023

Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. In this regard, the bank regulatory agencies need to remain politically independent. To you, manage your interest rate risk.

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Independent Banker

JANUARY 26, 2016

The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. Without the proposal’s provision protecting most community banks from higher assessments, banks under $10 billion in assets may not have seen any rate decreases until the DIF reserve ratio reached 1.35

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Independent Banker

JULY 8, 2015

Absent Congress actively changing the law, however, the Supreme Court has issued a decisive opinion that sets an important precedent on the disparate-impact issue for community banks and the rest of the financial services industry. The case in question— Texas Department of Housing and Community Affairs v.

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Jeff For Banks

NOVEMBER 1, 2017

Fiscal Policy We are not seeing activity from Washington DC. Tax cut and tax reform proposals have been floated. We are at a standstill when it comes to fiscal policy. I believe that tax cuts will spur economic growth, but only if they do not increase government borrowing and the federal deficit.

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Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Policy Development. Housing Policy Task Force, member.

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Jeff For Banks

JULY 8, 2017

I believe that we are in this era of weak growth, now eight years old, for the long haul unless changes are made to regulation and we stop adding debt at break-neck speed. Janet Yellen, like Ben Bernanke before her, is using the Phillips curve to shape policy. OMG- The Phillips Curve! That may be just in time for the easing to begin.

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Gonzobanker

DECEMBER 17, 2021

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Eric has always been a student of innovation, and now at Coastal, this fearless leader has spearheaded a number of high-profile banking-as-a-service partnerships. The regulator and media pressure on overdraft fees has been a constant challenge to overdraft revenue.

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