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ICBA Testimony on PPP Forgiveness

Testimony of Robert Fisher President and Chief Executive Officer Tioga State Bank Spencer, New York On behalf of the Independent...

Jul 31, 2025

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Massachussetts

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the...

Jul 31, 2025

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OK

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...

Jul 31, 2025

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MA-9

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...

Apr 15, 2026

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Michigan-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 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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PPP Forgiveness Letter with State Associations

September 16, 2020 The Honorable Mitch McConnell The Honorable Charles Schumer Majority Leader Minority Leader United States Senate United States Senate Washington, D.C. 20510 Washington,...

Jul 31, 2025

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ltr031814

March 18, 2014 United States Senate Washington, D. C. 20510 Dear Senator: On behalf of the nearly 7,000 community banks represented by ICBA, I would like to use this opportunity to ...

Aug 1, 2025

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NC-3

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...

Apr 15, 2026

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MS

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...

Jul 31, 2025

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ICBA Tax Return Analysis Webinar_1

Tax Return Analysis BRAD STEVENS, STEVENS RISK MANAGEMENT AUGUST 11, 2022 Meet the presenter Over 30 Years in Banking Senior Credit Officer of Two Banks Managed a $42,000,000 Portfolio...

Jul 31, 2025

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ICBA Letter to SBA on PPP Payment Terms

September 15, 2020 The Honorable Jovita Carranza Administrator US Small Business Administration 409 3rd Street, SW Washington, DC 20416 Re: Modification of PPP Promissory Notes to...

Jul 31, 2025

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Amicus Brief on CFPB Constitutionality

No. 22-448 IN THE Supreme Court of the United States CONSUMER FINANCIAL PROTECTION BUREAU, et al., Petitioners, v. ...

Jul 31, 2025

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10-20-2025-Risk-Summary-Report

Week of 20 October 2025 | Issue 305 This report elevates this week’s top risks to assist community institution information security and technology teams in proactively protecting their financial...

Nov 19, 2025

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ICBA Legislative Priorities for the 119th Congress

January 7, 2025 United States House of Representatives Washington, D.C. 20515 Dear Representative: On behalf of ICBA and community banks with more than 50,000 branches across the country,...

Jul 30, 2025

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19.04.15_SafeActLetter

April 15, 2019 The Honorable Jeff Merkley The Honorable Cory Gardner United States Senate United States Senate Washington, D.C. 20510 Washington, D.C. 20510 Dear Senators Merkley...

Aug 1, 2025

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FIS Installments Credit Article

BE THE PREFERRED INSTALLMENTS PROVIDER OF YOUR CARDHOLDERS ARTICLE BNPL continues to win consumers over at the retail point of sale as it becomes increasingly mainstream. BNPL that is...

Aug 7, 2025

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18.02.14_HouseLTR

1 February 14, 2018 The Honorable Paul D. Ryan The Honorable Nancy Pelosi Speaker Democratic Leader U.S. House of Representatives U.S. House of...

Aug 1, 2025

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GA-9

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...

Apr 15, 2026

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New Jersey-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 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ICBA Letter on AI Action Plan

March 12, 2025 via Electronic Mail NITRD National Coordination Office National Science Fondation 2415 Eisenhower Avenue Alexandria, VA 22314 RE: Request for Information on the...

Jul 30, 2025

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Indiana-9

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...

Jul 31, 2025

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FDIC GENIUS Approval Requirements NPR - Extension Request (1).pdf

1 January 17, 2026 Via Electronic Submission Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Attn: Jennifer M. Jones, Deputy Executive Secretary RIN...

Jan 20, 2026

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20.08.19_PPP_EIDL_ltr

August 19, 2020 The Honorable Jovita Carranza Administrator US Small Business Administration 409 3rd Street, SW Washington, DC 20416 Re: The Interaction Between the Paycheck...

Jul 31, 2025

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New Jersey-9

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...

Jul 31, 2025

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New York-24

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...

Jul 31, 2025

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2024 Certification News - Q4

How I Work Vance Keller Vance Keller is Branch President of Dream First Bank in Syracuse, Kansas and holds Certified BSA/ AML Professional (CBAP), Certified Community Bank Compliance Officer ...

Nov 10, 2025

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MA - SBA Fact Sheet

Community Bank Small Business Administration Lending MASSACHUSETTS SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Oct 15, 2025

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FDB Breakout Session Questions

Breakout Discussion Questions Stablecoin and CBDC ICBA Federal Delegate Board Meeting Sunday, May 1, 1:00 pm – 3:30 pm ET ...

Jul 31, 2025

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ICBA STATEMENT FOR PRIVACY HEARING 5.7.2019

www.icba.org/advocacy May 7, 2019 Privacy Rights and Data Collection: The Community Bank Perspective Chairman Crapo, Ranking Member Brown, members of the Committee, the...

Aug 1, 2025

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California-22

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...

Jul 30, 2025

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Corporate Membership Application

MBR_2102A23 Yes! We want to be an ICBA Member—$6,000 (July-June) How did you hear about ICBA? Membership Contact To receive all information regarding membership including renewal notices,...

Aug 1, 2025

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Bank Director Program Newsletter - Jan/Feb 2018

If you went to a farmer’s market or local business today, you’d likely buy something using a credit or debit card— not cash. Later, you might view your checking account on your phone to see if...

Aug 1, 2025

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1. Financial Services Agreement

Page 1 of 11 12.2023 rlk FINANCIAL SERVICES AGREEMENT This Financial Services Agreement ("FSA") is made as of 20 , (the "Effective Date") between ICBA Payments, Inc. doing business as ICBA...

Aug 7, 2025

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Comments on Disparate Impact Proposal

1 Comments to DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Regulations Division Office of the General Counsel 451 7th Street SW, Room 10276 Washington, DC 20410 In the Matter of )...

Jul 31, 2025

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Arizona-8

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...

Jul 30, 2025

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WV - SBA Fact Sheet

Community Bank Small Business Administration Lending WEST VIRGINIA SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Nov 3, 2025

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Full page with bleeds

A R E YO U R E A DY ? Join your community banking friends and family at the Henry B. González Convention Center. Take a break from winter in the San Antonio sun. Come to learn, be inspired, and...

Jul 31, 2025

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Full page no bleeds

A R E YO U R E A DY ? Join your community banking friends and family at the Henry B. González Convention Center. Take a break from winter in the San Antonio sun. Come to learn, be inspired, and...

Jul 31, 2025

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Ag-Rural Committee Notebook

AGRICULTURE-RURAL AMERICA Committee ONE MISSION To create and promote an environment where community banks flourish TUESDAY | OCTOBER 6, 2020 2:00 p.m. — 4:00 p.m. (Eastern) ...

Jul 31, 2025

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ltr092915a

1 September 29, 2015 The Honorable Jeb Hensarling Chairman House Financial Services Committee 2128 Rayburn House Office Building Washington, DC 20515 The Honorable...

Aug 1, 2025

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Legislative Update - Credit Card Competition (Updated Feb 2026)

February 2026 ICBA Legislative Update: Credit Card Routing Mandates Overview: The Credit Card Competition Act (CCCA, S. 3623, H.R. 7035) would create new credit card routing mandates....

Feb 23, 2026

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ltr111913

November 19, 2013 The Honorable Jeb Hensarling The Honorable Maxine Waters Chairman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...

Aug 1, 2025

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cl010615

January 6, 2015 Alfred M. Pollard, General Counsel Attention: Comments/RIN 2590-AA39 Federal Housing Finance Agency 400 Seventh Street SW, Eighth Floor Washington, D.C. 20024 Re:...

Aug 1, 2025

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Joint Trades NEC Affordability Proposals_MBA.ACU.ICBA_January 2026.pdf

America’s Credit Unions Independent Community Bankers of America Mortgage Bankers Association January 21, 2026 The Honorable Kevin Hassett Director National Economic Council 1600...

Jan 22, 2026

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DigitalAdSpecs_IB_2025_P1-copy

independentbanker.org DIGITAL ADVERTISING SPECIFICATIONS  2025 e-Newsletters: ICBA NEWSWATCH TODAY®; ICBA BANKER’S DOZEN; INDEPENDENT BANKER ENEWS; INSIDER E-BLAST NOTICE: All submitted...

Oct 4, 2025

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MediaKit_IB_2026_jw_12_4

2026 MEDIA KIT JUNE 2018 independentbanker.org IC BA Independent Banker ■ June 20 18 ■ M & A C onsiderations How to avoid a culture clash after a merger or acquisition WHEN ...

Dec 12, 2025

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test062316a

Testimony of Rebeca Romero Rainey Chairman and CEO Of Centinel Bank of Taos Taos, NM On behalf of the Independent Community Bankers of America Before the United...

Aug 1, 2025

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ICBA Letter to the CFPB on the Proposed Interpretive Rule on Earned Wage Access Products

August 30, 2024 The Honorable Rohit Chopra Director Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 RE: Truth in Lending (Regulation Z); Consumer Credit...

Jul 31, 2025

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Joint Letter Opposing Efforts to Increase Income Tax Rates

April 11, 2025 The Honorable Jason Smith Chairman House Committee on Ways & Means 1102 Longworth House Office Building Washington, DC 20515 The Honorable Mike Crapo Chairman Senate...

Jul 30, 2025

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ACH FORM - BDP

Independent Community Bankers of America and Community Banker University ANNUAL BANK DIRECTOR PROGRAM YEARLY SUBSCRIPTION FEE Authorization for ACH Debits Please take advantage of our new...

Aug 1, 2025

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Payments Executive Brief

What’s Your Community Bank’s Level of Digital Payments Maturity? Today, the Federal Reserve is a trusted payments partner, operating wire, check and ACH services for all financial institutions...

Aug 1, 2025

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Legislative Update - Credit Card Rate Cap (Updated Feb 2026)

February 2026 ICBA Legislative Update: Credit Card Rate Caps Overview: Proposals from the Executive Branch and in Congress would cap credit card interest rates at 10 percent. ICBA and...

Feb 23, 2026

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Joint Letter on Reauthorizing the Cybersecurity Information Sharing Act

1 March 21, 2025 Via Electronic Mail The Honorable John Thune The Honorable Charles Schumer Majority Leader Minority Leader U.S. Senate U.S....

Jul 30, 2025

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South Carolina-1

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...

Jul 31, 2025

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Illinois-14

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...

Jul 30, 2025

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ICBA Statement for Hearing on Politicized Financial Regulation

Regulatory Impact: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across the nation with nearly 50,000 locations, appreciates the...

Jul 31, 2025

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Letter to FASB COVID 19

March 23, 2020 Mr. Russell G. Golden Chairman Financial Accounting Standards Board 401 Merritt 7 Norwalk, CT 06856-5116 Re: Community Bank Relief from the Challenges of Coronavirus ...

Jul 31, 2025

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New York-19

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...

Jul 31, 2025

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Customer Service QA for Issuers - Retailer Security Breach - Updated 01 11 14(1)

Suggested Issuer Customer Service Q&A National Retailer Security Breach Updated: January 11, 2014 1 1/11/2014 Breach Overview Q: Media reports are stating that Target experienced...

Aug 1, 2025

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2024 2nd Quarter - Advocacy in Action

2024 Advocacy in Action Over for more Advocacy in Action → Real Results For Your Bank FDIC Special Assessment Relief. The FDIC finalized a special assessment triggered by the failures of...

Jul 31, 2025

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