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Pennsylvania-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 12/13/2024 and updated yearly. EV T_ 24...
Letter in Support of the Making the CFPB Accountable to Small Business Act
February 19, 2025 The Honorable Scott Fitzgerald U.S. House of Representatives Washington, D.C. 20515 Dear Representative Fitzgerald: On behalf of ICBA and the nearly 45,000...
Visa Prepaid Manual Cash Advances
Manual Cash Disbursement Best Practices for Visa Prepaid Cards Please use this guide as a reference for processing Visa Prepaid manual cash disbursements. Visa Rule ID#...
Joint Letter of Support for Making Permanent and Expanding the Section 199A Deduction
June 25, 2025 The Honorable Mike Crapo Chairman Senate Committee on Finance 219 Dirksen Senate Office Building Dear Chairman Crapo: The undersigned organizations,...
Florida-18
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...
Ohio-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 12/13/2024 and updated yearly. EV T_ 24...
ltr050117
May 1, 2017 Senator Thad Cochran Chair, Senate Committee on Appropriations 113 Dirksen Senate Office Building Washington, D.C. 20510 Senator Patrick Leahy ...
ICBA comment on CU acquisitions_June_15
Via electronic submission June 15, 2020 Mr. Gerard Poliquin Secretary of the Board National Credit Union Administration 1775 Duke Street Alexandria, Virginia 22314 RE: ICBA...
Letter on Commercial Surveillance and Data Security
Via Electronic Submission November 21, 2022 Federal Trade Commission Office of the Secretary 600 Pennsylvania Avenue, NW Suite CC-5610 (Annex B) Washington, DC 20580 RE:...
CA - Coverage Fact Sheet
Community Bank Presence in Contrast CALIFORNIA Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports, US...
New York-4
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...
Letter to the Federal Reserve in Response to the RFI on the Discount Window
December 9, 2024 Ms. Ann E. Misback Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue NW Washington, DC 20551 Re: Request for...
Commercial Real Estate Lending in Today's Economy presentation
Commercial Real Estate Lending in Today’s Economy Presented by: Osburn & Associates, LLC 1 Author/Lecturer DAVID L. OSBURN, MBA, CCRA David Osburn is the founder of Osburn & Associates, LLC...
Myths vs Facts on Debit Card Interchange
Myth vs. Fact: Debit Card Interchange | Last Updated: March 18, 2024 Myth vs. Fact: Debit Card Interchange March 18, 2024 Merchants pay a small transaction cost to a cardholder’s bank or...
Letter Opposing H.R. 4277 Overdraft Bill
July 26, 2022 The Honorable Maxine Waters The Honorable Patrick McHenry Chairwoman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...
National Banking Trades Letter re CRA comment deadline
- 1 - January 14, 2020 The Honorable Joseph Otting Comptroller Office of the Comptroller of the Currency 400 7th Street SW, Suite 3E-218 Washington, DC 20219 The Honorable Jelena...
HMDASummary
INSERT YEAR HERE Contact Information: Rhonda Thomas-Whitley Assistant Vice President & Regulatory Counsel Rhonda.Thomas-Whitley@icba.org ICBA Summary of the Home Mortgage Disclosure ...
ICBA Expense Reimbursement Policy - (EC)
ICBA Expense Account Policy (Updated November 2024) General Guidelines 1. When only a one-day meeting is involved, ICBA will not cover spouse/guest expenses. 2. Number of nights...
18.07.31_DataBreachLTR
July 31, 2018 The Honorable Bob Latta Chairman Subcommittee on Digital Commerce and Consumer Protection 2125 Rayburn House Office Building Washington, DC 20515 Dear Chairman...
JimReberBio
Jim Reber, President Jim Reber was elected as President and CEO of ICBA Securities effective April 1, 2005. From 1990 through 2005 he worked as a Senior Vice President and registered...
Pennsylvania-17
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...
Comments on FHFA Climate Risk Management RFI
April 19, 2021 Dr. Mark Calabria Director Federal Housing Finance Agency 400 7th St. SW 10th Floor Washington, DC 20219 RE: Request for Input; Climate and Natural Disaster...
North Carolina-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 12/13/2024 and updated yearly. EV T_ 24...
test072313
Testimony of Jack Hartings President and CEO Of The Peoples Bank Co. Coldwater, OH On behalf of the Independent Community Bankers of America Before the United States...
samedayACH
© 2013 Independent Community Bankers of America Same-Day ACH An Opportunity for Leadership April 22, 2013 ABOUT ICBA The Independent Community Bankers of America®, the nation’s voice for more...
Credit Union Series Part 1
ICBA strongly recommends to all public policymakers the American Banker’s recent series on the credit union tax exemption, its evolution, and its impact on the American financial services...
Visa Small Merchant Security Program, Sept. 2016
Did you know? Acquirers must ensure that Level 4 merchants: • Use Payment Card Industry Qualified Integrators and Resellers (PCI QIR) when using third parties for point-of-sale (POS)...
AL - SBA Fact Sheet
Community Bank Small Business Administration Lending ALABAMA SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...
IA - SBA Fact Sheet
Community Bank Small Business Administration Lending IOWA SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...
Iowa
icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...
Comments on Small Mortgage Lending
December 5, 2022 Department of Housing and Urban Development 451 7th Street SW Washington DC 20410 RE: Request for Information Regarding Small Mortgage Lending Dear sir or madam, ...
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 12/13/2024 and updated yearly. EV T_ 24...
Hill Payments Charter Letter 9.29
September 29, 2020 The Honorable Stephen Lynch Chairman, U.S. House Task Force on Financial Technology 2129 Rayburn House Office Building Washington, D.C. 20515 The Honorable Tom...
cl060815
June 8, 2015 The Honorable Richard Cordray Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Dear Director Cordray: I am writing to express...
Comments on Vystar-Heritage Southeast Transaction
Submitted via FDIC.gov May 15, 2021 Mr. John Henrie Regional Director Federal Deposit Insurance Corporation Atlanta Regional Office 10 10th Street, NE, Suite 800 Atlanta, GA...
Bank Operations Committee Agenda
ICBA Bank Operations Committee September 21, 2023 Meeting Agenda • Alice Frazier’s opening remarks (3:00-3:05PM ET) • Scott Anchin, Lance Noggle, Kari Mitchum – FedNow, Other Ops...
ICBA Testimony for Hope on the Horizon Hearing.pdf
Testimony of Alice P. Frazier President and Chief Executive Officer Bank of Charles Town On behalf of the Independent Community Bankers of America Before the U.S....
Joint Letter to Senate Agriculture Committee on Farm, Food, and National Security Act.pdf
May 22, 2026 The Honorable John Boozman Chairman, U.S. Senate Committee on Agriculture, Nutrition, and Forestry United States Senate Washington, D.C. 20510 The Honorable Amy Klobuchar ...
ICBA LETTER TO SENATE IN SUPPORT OF TITLE VI OF H.R. 6644.pdf
February 27, 2026 The Honorable John Thune The Honorable Charles Schumer Majority Leader Minority Leader United States Senate United States Senate Washington, D.C. 20510 ...
Education Quarterly Brochure Q4 2024
Training Guide December 2024 Get a jump on 2025 training • Our end of the year sale is here! • 2025 Training Budget Worksheet fold-out included www.intrafi.com Reduce...
The Consumer Digital Payments Strategy
ICBA Bancard Digital Payments Strategy Guide MONTH Year Prepared for: ICBA Bancard Digital Payments Strategy Guide © Year ICBA Bancard All rights reserved....
ICBA Summary of Recent SBA PPP Guidance
October 2020 www.icba.org ⋅ info@icba.org ⋅ 866-422-8439 Recent SBA PPP Guidance: Simplified Process for Forgiveness, Notifying Borrowers of Changes in the Deferral Period, and...
18.12.11_FDICltr
Via electronic submission December 11, 2018 The Honorable Jelena McWilliams Chairman Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 Re: Recent...
ltr082216
August 22, 2016 Ms. Monica Jackson Office of the Executive Secretary Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Re: Notice of Proposed Rulemaking on...
Regulation Implementing the Adjustable Interest Rate LIBOR Act
August 26, 2022 Ms. Ann E. Misback Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue NW Washington, DC 20551 Re: Regulation...
Delaware
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...
Joint State Association Letter on EIDL Advances
December 11, 2020 The Honorable Mitch McConnell The Honorable Charles E. Schumer Majority Leader Democratic Leader U.S. Senate U.S. Senate Washington, D.C. 20510 Washington,...
17.10.04_statement
www.icba.org/advocacy October 4, 2017 Tax Reform That Strengthens and Community Bank-Small Business Partnership On behalf of the more than 5,700 community banks represented by...
Visa Global Economic Insights - July 2020
©2020 Visa. All Rights Reserved. Visa Business and Economic Insights Key TakeawaysIn the six months since the world first learned of COVID-19, the global economy has entered a synchronized,...
CommentLetter42314
April 23, 2014 Ex Parte Notice Ms. Marlene H. Dortch, Secretary Federal Communications Commission 445 12th Street, S.W. Washington, D.C. 20554 Re: Expanding the Economic and...
Letter of Support for Senate SBA Direct Lending Bill
December 14, 2021 The Honorable Tim Scott United States Senate Washington, D.C. 20510 Dear Senator Scott: On behalf of ICBA and the nearly 50,000 community bank locations we...
New Mexico-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 12/13/2024 and updated yearly. EV T_ 24...
August 18 webinar presentation
Inflation: Does It Matter to Community Banks? Jim Reber, President/CEO August 18, 2022 ICBA Securities icbasecurities.com 2 Industry Earnings Through Q1 ICBA Securities icbasecurities.com...
cl042216
April 22, 2016 Mr. Russell G. Golden Chairman Financial Accounting Standards Board 401 Merritt 7 Norwalk, CT 06856-5116 Re: Application of the Current Expected Credit Loss Model to...
OH-6
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...
Bank Director Program Newsletter Mar-April
The Reality Facing Your Real Estate Credit Portfolio By Brad Stevens If your bank is average, your credit portfolio will contain a concentration of over 70% in real estate loans. While you...
Comments on Proposed Rulemaking on Fees for Instantly Declined Transactions
March 25, 2024 The Honorable Rohit Chopra Director Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 RE: ICBA Comments in Response to CFPB’s Notice of...
18.05.09_jointfarmbillltr
May 9, 2018 The Honorable United States House Washington, DC 20515 Dear Congressman: The undersigned organizations write to urge your strong opposition to amendments that could ...
Joint Trades Opposition Letter to 10 Percent Credit Card Interest Rate Cap Act
February 5, 2025 The Honorable Bernie Sanders The Honorable Josh Hawley United States Senate United States Senate 332 Dirksen Senate Office Building 115 Russell Senate Office...
Letter Advocating CECL Relief
December 7, 2021 Mr. Richard R. Jones Chair Financial Accounting Standards Board 401 Merritt 7 Norwalk, CT 06856 Re: Current Expected Credit Losses Dear Chair Jones: ...