Long Lasting Ideas

JUNE 8, 2016

Often in this space, we’ve written about how Washington has made community banks its personal punching bag. Sarbanes-Oxley, Dodd-Frank, the FDIC and other financial regulators – as well as Congress and the White House — have not been friendly to community banks, all while bailing out Wall Street big boys.

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Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Independent Banker

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Needless to say, the advocacy process with the CFPB has moved at the speed of Washington.

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Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Needless to say, the advocacy process with the CFPB has moved at the speed of Washington.

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Finer Points

SEPTEMBER 10, 2015

Jorde Congratulations, community bankers! This week we saw once again that our industry’s hard work and determination on behalf of regulatory relief can achieve tangible results in Washington. By Terry J.

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Independent Banker

FEBRUARY 16, 2015

Persistent advocacy nabs key reforms for bank and thrift holding companies. While Washington often moves at a glacial pace, it recently came to life to enact reforms benefiting bank and thrift holding companies. This covers nearly 90 percent of all bank holding companies and 75 percent of thrift holding companies.

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American Banker

FEBRUARY 2, 2024

Brandon Milhorn, the new CEO of the Conference of State Banking Supervisors, used the platform offered by his first major speech to sound an alarm against one-size-fits-all solutions emanating from Washington. The pendulum has swung too far in the direction of federal regulatory uniformity," Milhorn argued.

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Independent Banker

SEPTEMBER 26, 2014

That is why we are calling on regulators to make the most of the latest mandatory review of federal banking rules. The agencies are required to study their regulations for dead weight every 10 years under the Economic Growth and Regulatory Paperwork Reduction Act of 1996. Community Bankers Chosen as CFPB Advisors.

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Jeff For Banks

JULY 6, 2013

government controlled or heavily regulated. controlling) they should do is enforce laws against the charlatans that plague the investment community. But I disagree with greater control of a national pension system in Washington. Why can''t community financial institutions band together to help customers prepare for retirement?

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Independent Banker

SEPTEMBER 30, 2018

As policymakers continue to review financial services regulations, the largest banks are working to roll back rules that were designed to mitigate the risks they pose to the financial system. First things first: Washington needs to slow down and reevaluate. I’ll be traveling to Memphis to visit Vining Sparks and CRA Partners.

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Independent Banker

AUGUST 31, 2021

Here are the key areas of D&I policies and practices that community banks may need if these requirements change or become mandatory. How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices? By Mary Thorson-Wright. Legislative updates.

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Independent Banker

JUNE 30, 2022

While it has had some benefits, like stronger risk management for our banks, it has made the customer process much more daunting. But community banks have adapted to address that shift. So, while this next round of uncertainty will bring with it new challenges, the strength of the community bank business model remains intact.

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Independent Banker

DECEMBER 31, 2019

Lucky for us, community bankers know a thing or two about staying the course. From successes in getting the Federal Reserve involved in real-time payments to our ongoing efforts to wake up Washington to credit union injustices, we are present, committed and confirmed in our efforts to level the playing field for community bankers.

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Independent Banker

SEPTEMBER 25, 2014

Anticipating what’s new for your community bank’s next field examination. This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. The better prepared, the less likely they are to run afoul of the continually shifting regulations.

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Finer Points

OCTOBER 3, 2016

A hallmark of community banking is accountability. Community bankers are held accountable to their customers because they live and work in the same neighborhoods. As locally based institutions with a stake in the prosperity of their communities, community bankers simply can’t afford to take advantage of their customers.

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Independent Banker

JULY 30, 2015

IB: What do ICBA advocacy staff members do to represent community banks in Washington? Hawxhurst: ICBA’s advocacy staff works to represent the interests of community banks before a wide range of policy bodies in Washington, particularly before Congress and the federal banking agencies.

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PYMNTS

FEBRUARY 19, 2019

.” Other critics have raised the issue that the OCC is advising examiners to take community group concerns into consideration separately from their M&A approval processes. ” Now, Powell is also raising concerns about how bank industry consolidation could negatively impact the small business community.

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Independent Banker

AUGUST 25, 2016

Advocacy Advocate—ICBA’s Joshua Harbursky works to assist community bankers with their industry policy engagement with lawmakers and regulators. ICBA has a great infrastructure in place and a lot of active advocates among community bankers. Anyone with an interest in promoting community banks can be an ICBA advocate.

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Finer Points

AUGUST 3, 2015

While ICBA continues our full-court press toward advancing community bank regulatory relief all the way through Congress and to the president’s desk, we are also making noticeable headway in raising public awareness of the problem via the national news media.

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Independent Banker

MARCH 15, 2015

Community bankers aren’t the only ones who think so. Nearly everyone in Washington now agrees, to one degree or another. Top regulators also concur, and some have even offered a proposal or two of their own. Acknowledging the problem, lawmakers repeatedly have told community bankers to hold on, relief is on the way.

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Independent Banker

FEBRUARY 24, 2015

Community bankers aren’t the only ones who think so. Nearly everyone in Washington now agrees, to one degree or another. Top regulators also concur, and some have even offered a proposal or two of their own. Acknowledging the problem, lawmakers repeatedly have told community bankers to hold on, relief is on the way.

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Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. To their credit, federal regulators have already showed they are on board with the approach laid out in FASB’s final standard.

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American Banker

FEBRUARY 24, 2024

His message was especially notable because it was aimed at smaller institutions that have gotten less scrutiny from Washington. Surprise overdraft fees and charges incurred by consumers who cash bad checks likely violate the law, state Attorney General Rob Bonta said.

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Gonzobanker

APRIL 28, 2016

The amount of regulation in the financial industry is staggering and has understandably been top of mind for most CEOs. According to Cornerstone Advisors research , roughly six in 10 community bank and credit union CEOs are concerned with the regulatory burden. The best banks aren’t just compliant with new regulations.

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Independent Banker

MAY 26, 2016

Under the glorified goal for “simplification” touted by policymakers cosseted in far-off Washington, D.C., Whoever proposes any new regulations should first have to personally apply their proposals in a real-world bank setting. Consumer mortgage disclosures that once took 10 minutes for Miller to complete now take several hours.

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Independent Banker

DECEMBER 29, 2015

Community bankers offer real-world reasons for more Basel III relief. Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place.

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Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

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Finer Points

AUGUST 7, 2015

It’s hard to believe that the August congressional recess is already upon us, but in many ways the community banking industry is well-positioned to take advantage of this pause in the legislative session.

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Finer Points

NOVEMBER 23, 2015

While many Americans are gearing up for the holiday season, ICBA and community bankers are gearing up for a bustling couple of weeks in Washington.

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Jeff For Banks

DECEMBER 16, 2022

Communities First Financial Corporation (OTCQX: CFST) Communities First Financial Corporation is the bank holding company for Fresno First Bank , which opened in December 2005 dedicated to meeting the banking needs of businesses, professionals, and successful individuals in Central California. Triumph Bancorp, Inc.

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Independent Banker

SEPTEMBER 21, 2015

Compliance experts say that by planning ahead, reviewing current compliance status and risks, using technology when needed, and staying up-to-date with training, community banks can indeed weather the storm of regulatory exams and come out fine on the other end. So what can a community bank with limited resources do?

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Independent Banker

SEPTEMBER 30, 2021

In this feature, we’ll look at a number of ways you can continue to build trust—an especially crucial task as the pandemic continues, telecommuting persists and consumer banking practices evolve. But for most community banks, building a trustworthy brand isn’t a conscious effort. billion-asset community bank.

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Independent Banker

DECEMBER 13, 2015

Community banks face yet another set of regulatory requirements with the recently revised Regulation C reporting rule implementing the Home Mortgage Disclosure Act. Nevertheless, the new rules will impose significant new reporting mandates on many community bank lenders in the coming years. The onslaught continues.

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PYMNTS

APRIL 7, 2016

In his annual letter to shareholders, Dimon went on, at some length, to say that the “mission-critical” services that big banks can supply are the types of things “regional and community banks simply cannot do.”. “In

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PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

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Jeff For Banks

FEBRUARY 17, 2021

Yesterday at the ABA's virtual Conference for Community Bankers (CCB), Federal Reserve Governor Michelle Bowman gave a speech, My Perspective on Bank Regulation and Supervision. If these are triggered, off to Washington the merger application goes. On how the Fed defines geographic markets: No hard and fast rule.

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Independent Banker

DECEMBER 13, 2015

The private and public sectors have to be on the same page to put up a defense and community banks need this information in real time, same as the biggest banks. Community bankers can’t afford to keep dealing with data breaches like the ones at Target and Home Depot. IB: But we still want more from Congress on security?

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