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Update: Check Re-Presentment Guidance
Check re-presentment fees have resulted in violations of Section 5 of the FTC Act for some banks. Will updated guidance from the federal regulators make things clearer?
Schooling Customers on Student Loan Fraud
With student loan payments recently unpaused, cybercriminals have new ways of scamming banks and their customers. Here’s what community banks and their customers need to know.
Check Fraud: 3 Ways to Stop It in Its Tracks
Among ransomware and cyberattacks, it’s important not to forget about old-fashioned fraud—namely, check fraud. As incidents of this type of fraud increase, experts explain how to prevent and...
Community Banks' Regulatory Guidance for Third-Party Relationships
Earlier this year, federal bank regulatory agencies released final guidance on third-party risk management for financial institutions. Here’s what community banks need to know.
Tech Solutions That Can Help Stop Elder Fraud
Elder financial abuse is a rising crime across the country. Using technology, community bankers can help detect this type of fraud and protect their customers.
An Update on Data Protection Regulations
Last year, the CFPB issued an advisory opinion on privacy protection for personal data compiled from community banks. Here’s what you need to know.
How Community Banks Can Cut Down Data Privacy Threats
Education on how to keep data safe is important for both community bank employees and their customers. Community bankers and data privacy experts share their tips to help keep data safe
Member Benefits: Tips for IT Outsourcing
For community banks that are considering or are already working with a third-party IT vendor, ICBA’s IT Outsourcing Toolkit has a collection of resources that address the process and considerations.
Generative AI in Community Banking: What's the Risk?
Generative AI, such as ChatGPT and Jasper, is growing and evolving rapidly. How can community banks leverage this technology while avoiding scams?
Leveling Up: How Community Banks Should Navigate Asset Size Growth Thresholds
As your bank grows in asset size, it’s vital to keep up with compliance regulations to meet the standards of each new threshold. By planning ahead and preparing your staff, the process can be...
How Technology Can Simplify Banks' Workflow
As compliance obligations mount, community bankers reveal the benefits regtech brings to their banks and offer tips for finding the right partners.
How to Streamline Balance Sheet Risk Management
Balance sheet risk management is a constantly evolving area. Luckily for community bankers, new tools are being created in turn to help optimize the process.
Tips for Better Community Bank CMS Testing
By understanding and leveraging compliance management system testing, community banks can limit potential risk.
How Banks Can Approach Cannabis Compliance
For community banks that are interested in or are already working with cannabis-related businesses, understanding compliance guidelines surrounding that sector is vital. We spoke with experts on...
Q&A: Computer-Security Incident Notifications
To prevent cyber incidents, new computer-security incident notification requirements were established in late 2021, changing the way community banks need to react in case of a cybersecurity event.
How Community Banks Can Better Protect Their ATMs
Branches aren’t the only bank properties that bad actors target. The number of ATM robberies is steadily increasing, and your security around them should, too.
A Risk Management Clinic for Community Bankers
Risk management is as important a function of community banking as are loans and deposits. But are there better ways of keeping on top of risks that are constantly emerging and changing? Step into...
How Community Banks Can Fight Synthetic Identity Fraud
Community banks need to be on the lookout for synthetic identity fraud, a growing problem since the pandemic. Here’s how tools and solutions can detect, prevent and solve this type of fraud
Compliance Vault: The Ultimate Compliance Resource
With a vast library of Q&As, select online courses and informational documents, Compliance Vault is a valuable resource for all your regulatory compliance questions.
Protect your community bank from business payments fraud
Multiple types of business payments fraud are on the rise. We spoke with experts on how to effectively protect your community bank and its customers.
Strengthening your compliance management program
Wells Fargo was heavily fined for mismanagement of multiple functions, demonstrating the importance of having an effective compliance management system.
Are your community bank's BSA/AML programs up to date?
FinCEN recently reported that a bank willfully violated the Bank Secrecy Act, highlighting the importance of community banks updating their BSA/AML programs.
Listen Up: Partners in fraud prevention
Episode 4 of the Independent Banker podcast features Pioneer Trust Bank’s Betsy Steinberg and ICBA Bancard’s Rebecca Kruse discussing the many ways you can protect your financial institution from...
Phishing solutions for community banks
Phishing has been around almost as long as email itself, which means hackers have had plenty of time to perfect their practices. It’s more likely than not that community bank staff will fall for a...
Updates to the beneficial ownership rules
Starting in 2024, banks will be required to collect beneficial ownership information on accounts they maintain. Here’s what’s changing and what it means for community banks.
Navigating new overdraft fee guidance for community banks
The CFPB recently issued new guidance on overdraft fees that was unanticipated by community banks. Learn what this means for the industry and how community banks can stay in compliance.
Biometrics: Security technology for community banks
The field of biometrics is evolving every day, incorporating new technology that could enhance community banks’ defenses against fraud. Industry experts explain how this technology works and its...
Member Benefits: Fighting elder financial exploitation
Billions of dollars are lost to elder financial exploitation each year. Equip your team with the skills needed to protect your customers.
Compliance changes to watch in 2023
From new fee practices to peer-to-peer fraud, keep an eye on what regulatory changes could be developing in the new year.
Maintaining momentum in an unpredictable lending landscape
In the past few years, the lending landscape was unpredictable, to say the least. Community bankers look back at what happened in 2022 and what’s on the road ahead.
2022 regulatory compliance review
While the creation of new compliance regulations was slow this year compared with years past, some regulations were implemented as expected, and some continue to evolve.
How fraudsters target different generations
Financial fraud and cyber attacks aren’t a one-age-fits-all scenario. By identifying the banking and spending habits of different generations, scammers tailor how they reach their targets. We look...
Data privacy: How to keep customer data safe
Shielding sensitive customer information remains an industry challenge. But as the prevalence of security breaches grows, so do opportunities for community banks to position themselves as guardians...
Brad M. Bolton: Protect customers against fraud
The knowledge we have cultivated over years of circumventing attacks means that we have a depth of understanding about cyber and data security that the general population doesn’t—and those...
More With Less: Managing Risks With Limited Resources
SPONSORED | With risk teams often facing resource constraints, digitizing the risk management process is a great way to improve efficiency because it improves risk managers’ ability to focus on the...
Brad M. Bolton: Compliance as a focal point
Managing compliance is a role that community bankers take more seriously than any other segment of the financial services industry.
How to reach customers with disabilities
Some people living with disabilities eschew banking services because they feel financially underserved or physically barred. Through sensitive customer service and ADA-compliant accessibility,...
9 ways to manage credit risk
Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. These experts share nine tips and credit risk best...
Can staying vigilant prevent fraud?
By staying vigilant to consumer guidelines and establishing their own security safeguards, community banks can stay ahead of today's ever-evolving threat of fraudulent activity and erroneous...
Ensure your community bank is inclusive
For a workplace to be truly inclusive, its employees should feel accepted for who they are and valued for their unique perspectives and backgrounds. We asked community bankers and experts for their...