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4 Regulatory Developments Coming in 2025
Community bankers have a variety of new regulatory changes to prepare for in 2025, across agencies and banking functions. As always, forewarned is forearmed.
Mark Scanlan and Scott Marks: Is a Favorable New Farm Bill on the Horizon?
In the wake of the farm bill’s expiration, ICBA is advocating for updates that will benefit the agriculture industry and rural communities across the U.S.
Tim Roy: Pushing Back Against Upcoming FHLB Regulations
Significant changes could be in store for the Federal Home Loan Bank system, with possible negative effects for community banks.
Susan Sullivan Kinney and Brian Laverdure: The Cryptocurrency Debate
Despite its popularity and precarity, cryptocurrency remains mostly unregulated at a government level.
Powering Potential: Strengthening Community Banking State by State
ICBA’s links with state banking associations help shape organizational growth and drive powerful collaborations.
Lucas White: Tenacity for the Regulatory Win
When I’m asked about necessary skill sets for community banking, I talk about problem-solving and a passion for helping people.
Jenna Burke: The Supreme Court of the United States Is Reshaping Administrative Law
Three recent SCOTUS decisions could affect the community banking sector.
Rebeca Romero Rainey: Remaining Nimble Against a Litany of Regulation
Flexibility: It’s one of the characteristics that sets our community banks apart, enabling us to meet the needs of distinct communities in unique ways.
Lucas White: Getting Comfortable With Fintechs
When I first got involved with ICBA’s ThinkTECH Accelerator, I must admit that I believed fintechs were scary.
Charles Potts: Making the Case for Responsible Innovation
The rapid pace of today’s financial services landscape pulls community banks in varied directions. You must balance technology upgrades with budgetary constraints and identify pressing priorities.
Ron Haynie & Tim Roy: Deciphering FHFA's Credit Score Transition
The FHFA continues to transition away from FICO, leaving lenders wondering about the potential impact it may have on the industry. Here’s what we know so far.
Michael Benedict: Are We There Yet?
Take a look at the nagging persistence of portfolio mark‑to‑market.
Lindsay LaNore: Practical Tips for Knowledge Transfer
When community bankers with decades of experience retire, they take with them a precious commodity: their knowledge. But it doesn’t have to be that way.
Lucas White: Showing Pride In Independence
Throughout his banking career, my dad had a standard saying that became a regular refrain: “If you need a quick answer, it’s no.”
Rebeca Romero Rainey: Connected As Independent Community Banks
When you enter ICBA’s headquarters, you are greeted with a large U.S. map that contains a peg for each community bank and a singular cord linking them all together.
Kianga Lee and Michael Emancipator: MDI and CDFI Designations Elevate Community Banks' Influence
A Treasury Department report shows the positive effect minority depository institutions and community development financial institutions have on their served markets.
Charles Potts: Setting the Stage for Banking the Next Generation
In recent years, community bankers have embraced constant change to drive the future of banking.
Lindsay LaNore: Make Space for Creativity
Out of all the qualities that make a great leader, it could be argued that creativity ranks highest.
Lucas White: The Compelling Case for Thoughtful Leadership
Throughout his banking career, my dad had a standard saying that became a regular refrain: “If you need a quick answer, it’s no.”
Powering Potential: Start Planning for the August Recess
In August, your member of Congress will be back in your district looking for things to do. Help them fill their schedule with a visit to your bank.
Jim Reber: The Fed Loosens Up
A slowdown in quantitative tightening has an element of policy easing.
Lance Noggle: New ICBA Resource Aims To Combat Check Fraud
Even with checks becoming less common to use, check fraud continues to rise. To address this issue, ICBA has created a guide that explains how to stop this type of fraud in its tracks.
Charles Potts: How Community Bankers Are Leading the Financial Evolution
One of my favorite reads is the story of Ted Turner’s rise. I’m struck by how it points to exactly the path community bankers are taking to drive the future of financial services.
Rebeca Romero Rainey: Change Is Hard, Good Leadership Is Critical
The mere mention of change can send pulses racing and blood pressure rising. But while change can be hard, it’s unavoidable, and it’s only going to continue to accelerate in our evolving marketplace.
Jim Reber: Rolling With the Curve
An upward slope can bolster market values.
Lindsay LaNore: How To Be An Ambassador For Change
Whether your bank is a de novo or a long-established institution, change is an inescapable constant.
Lucas White: Banking Outside the Box for Small Businesses
When it comes to serving small businesses, community banks just get it.
Kari Mitchum: New NACHA Rules Strengthen Security of ACH System
Credit-push fraud in the ACH system has spurred the introduction of new rules from Nacha. With ICBA’s support, these new rules have changed how receiving institutions can address such fraud.
Charles Potts: How Core Providers Are Becoming Core to Innovation
On February 5, the ICBA Innovation team conducted our first core day with our AP5 Accelerator cohort.
Jim Reber: Dialing It Back
Simple bonds find favor with portfolio managers in 2024.
Lucas White: Driving Community Banking's Agenda with Advocacy
I am an avid motorcyclist. In fact, I have completed two Iron Butt rides, riding at least 1,000 miles in 24 hours.
Lindsay LaNore: 10 Quick Wins For New Leaders
Here’s the scenario: You’ve just been put in charge of a new team or new project. No matter how seasoned a leader you are, that can be daunting.
John Coleman: An Opportunity for Advocacy at ICBA Capital Summit
As the ICBA Capital Summit approaches, it’s more important now than ever that community bankers understand what impact their stories can have on legislation.
Meet ICBA's 2024/25 Board of Directors
The 2024/25 ICBA board of directors is raring to go. With their eyes set on community bank advocacy, they have high hopes of what they can achieve during their term.
Charles Potts: Today's Data Marketing Mindset
Business planning functions as a life cycle. Strategy overlies everything, but it’s discovery that informs, leading to tactics and activation.
Lindsay LaNore: Purposeful Abandonment and the Art of Letting Go
There’s a great deal of pressure on organizations to be innovative. And in a constantly changing world, that can sometimes be daunting.
Derek Williams: Continuing the Community Bank Legacy
As I reflect on my year as ICBA chairman, I’m proud to say that it’s been a big win for ICBA and for community banks across the country, as our “one mission” has been on full display.
Anne Balcer: What Have We Learned One Year After the SVB Failure?
For the past year, ICBA has remained steadfast in advocating for community banks in the wake of Silicon Valley Bank’s collapse. Here are the results of those advocacy efforts.
Jim Reber: Shop Talk 2024
Another conversation with our consummate community banker, Charlie Brown.
Final Updates to Debit Cards Rules
In October 2022, the Federal Reserve Board finalized updates to the Board’s rule for debit card transactions, which went into effect July 1, 2023.