Legislation and Regulation

Stablecoin, the GENIUS act and CFPB activity are focuses for community bank advocacy this year.

Community banks have struggled under one-size-fits-all regulations for years. But change is on the horizon as ICBA-backed legislation to ease exam cycles and modernize deposit treatment gains traction in the House and heads to the Senate for consideration.

Community bankers from across the United States will converge in Washington, D.C. for the annual ICBA Capital Summit. These are the important issues on the docket at this year’s event.

“While I might be handing over the baton as chairman, I plan to keep fighting.”

BSA compliance is critical to financial security, but it works best when oversight aligns with risk. Learn how outdated thresholds, inconsistent exams, and evolving guidance affect community banks, and what reforms could improve effectiveness.

Learn how regulatory changes in 2026, including stablecoin legislation and Section 1071 exemptions, will shape the future of community banking.

Learn about the historical context of the ILC loophole, its implications for community banks and the ongoing regulatory debates surrounding this critical issue.

Thanks to advocacy work from community bankers and ICBA, fairer regulatory compliance standards are on the horizon.

Community bankers share common goals for protecting depositors.