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Letter to the OCC and FDIC on Proposal Regarding Unsafe or Unsound Practices and Matters Requiring Attention

ICBA filed a comment letter with the OCC and FDIC in response to their proposal regarding unsafe or unsound practices and matters requiring attention. ICBA said it is supportive of the agencies’ efforts to bring greater transparency and accountability to the supervisory process and recommended:

  • Clarifying definitions and standards for key concepts to provide a more consistent understanding of the terms. 
  • Guarding against unintended constraints on matters requiring attention by maintaining the agencies' abilities to address emerging risks. 
  • Ensuring consistency across among community bank supervision by coordinating with the Federal Reserve.

Letter in Support of Proposal to Prohibit the Use of Reputation Risk by the Agencies

ICBA sent a letter to the OCC and FDIC on the proposed rule to prohibit the use of reputation risk by the agencies. ICBA said it strongly supports this proposed rule and urged the agencies to finalize it promptly. ICBA noted that the elimination of reputation risk from supervisory frameworks will improve the objectivity, consistency, and predictability of bank supervision while reducing unnecessary compliance burdens on community banks.



ThinkTECH Accelerator Program 10 Begins Soon

The Accelerator identifies and supports a variety of mission-driven, growth stage providers through a proven methodology that rapidly validates and helps shape emerging industry solutions.


Tell the Senate: Protect vital role of community banks in digital assets market structure legislation

Senators need to hear how your deposits support your community and why it is important they protect against deposit flight.

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Register Now for ICBA LIVE 2026! 

Join us March 6-9 in San Diego, CA for ICBA LIVE—the world's largest gathering of community bankers.

Whether you're an emerging leader or a seasoned executive, LIVE is your place to connect with industry peers, discover new solutions, and return home energized to lead with purpose.

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ICBA Events

Introduction to Commercial Lending

Commercial lending is one of banking’s most complex areas, requiring a clear understanding of the borrower, the purpose of the financing request, and the repayment source. Explore key elements of the lending process, including industry analysis, causes of cash shortfalls, financial statement review, loan structuring, negotiation strategies, and post-closing monitoring. Learning Objectives: Develop a foundational understanding of the commercial lending process. Identify key components of commercial lending, including loan types, underwriting criteria, and the role of financial statements. Gain insights into the industries served through commercial lending. Duration: 60 minutes Presented live and recorded on 1/6/26.
Jan 6, 2026  | 
  • Webinar
  • Commercial Lending Lending

    ThinkTECH Accelerator Program 10

    Be a part of shaping the future of community bank innovation. Join us for a 3.5-hour session to hear from emerging banktech solutions poised to change the way your bank and its customers do business. Become more efficient, competitive, and profitable by attending these sessions designed to make your bank more strategic and impact bank solutions of the future.
    Jan 12–Mar 4, 2026  | 
  • Conference
  • Fintech Innovation

    Managing Wire Transfer Risk and Fraud Mitigation

    Despite advancements in instant payment systems and the adoption of ISO 20022, wire transfers remain a preferred method for sending large-value commercial payments domestically and internationally. However, their high-dollar, credit-push nature of wires presents significant risks to financial institutions. This session reviews various types of wire transfer risk, with a focus on fraud, and offers strategies for effective risk mitigation. Participants also study best practices for increasing account holder awareness of wire fraud threats. Learning Objectives: Understand types of wire risks. Develop techniques to mitigate risks, such as fraud. Learn how to educate your customers about wire fraud. Duration: 60 minutes Presented live and recorded on 1/13/26.
    Jan 13, 2026  | 
  • Webinar
  • Retail Banking/Frontline Deposit Operations

    Basics of Banking: An Overview

    For those new to banking, or those seeking to strengthen their foundational knowledge, the wide scope of the industry can feel overwhelming. This introductory webinar offers a clear, structured overview of the banking sector, making it ideal for new bankers or anyone looking to refresh their understanding of how banks operate.? Participants will gain insight into how full-service commercial banks function, including how they generate revenue and serve customers across various areas. The session explores core products and services, the fundamentals of lending and credit evaluation, customer service, and the impact of emerging technologies. It also provides a look at bank management, key regulatory considerations, and the evolving competitive landscape.? Learning Objectives: Gain a foundational understanding of banking. Understand key banking products and services. Explore bank management, regulations, and competition. Duration: 90 minutes Presented live and recorded on 1/21/26.
    Jan 21, 2026  | 
  • Webinar
  • Commerce & Banking General Banking

    Top Topics

    Discover the leading topics in community banking, highlighted by data on what matters most to bankers and expert insights from ICBA’s executives on emerging industry trends.

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    Fraud

    “Check fraud is a growing threat that puts your customers' financial security at risk—staying informed and implementing preventative measures is crucial for protecting your institution and upholding trust in the banking industry.”

    - Scott Anchin, Senior Vice President, Strategic Initiatives and Policy

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    About the Independent Community Bankers of America

    ICBA powers the potential of the nation’s community banks through effective advocacy, education, and innovation so that community banks can continue to strengthen, invest, and provide opportunities for the people and families in the communities they serve.

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    Amplifying Advocacy

    We champion community bank advocacy in Washington to ensure your voice is heard. 

    By working with our affiliated state banking associations and the nation’s community bankers, we have a proven track record of advancing and achieving pro-community bank policies and regulatory reform.

     

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    Elevating Education

    We provide high-caliber courses, live events, webinars, resources, certifications, and programs that power the potential of community bankers at all levels.

    By making learning personal, practical, fun, and community bank specific, we fuel individual, team, bank, and community prosperity.

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    Infusing Innovation

    We understand the challenges and opportunities that lay ahead for community banks. 

    Our innovation programming designed for community banks helps you navigate your innovation journey and remain profitable, efficient, and competitive. 

     

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