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Joint Letter on VA Minimum Property Standards

February 9, 2024 Mr. John Bell III Executive Director Loan Guaranty Service Veterans Benefits Administration Department of Veterans Affairs 810 Vermont Avenue NW Washington, DC...

Jul 31, 2025

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Joint Letter Supporting the Community Development Investment Tax Credit Act

1 January 22, 2024 Via Electronic Submission The Honorable [First] [Last] Member Committee on Finance United States Senate Washington, DC RE: Support for the...

Jul 31, 2025

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

Jul 30, 2025

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ICBA Comments on TRID Sandbox

March 29, 2023 Rohit Chopra Director Bureau of Consumer Financial Protection 1700 G St NW Washington, DC 20552 RE: New Proposal for Alternative Mortgage Disclosures for...

Jul 31, 2025

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test052113

On behalf of the 7,000 community banks represented by the Independent Community Bankers of America (ICBA), thank you for convening today’s hearing titled: “Qualified Mortgages: Examining the...

Aug 1, 2025

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ICBA Letter to Treasury on Penny Production

October 6, 2025 Sent via Electronic Submission The Honorable Scott Bessent U.S. Department of the Treasury 1500 Pennsylvania Ave NW Washington, DC 20220 Dear Secretary Bessent: On...

Nov 3, 2025

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NY - Coverage Fact Sheet

Community Bank Presence in Contrast NEW YORK Community Bank Branch Locations Community banks in NY represent 100% of rural* counties 100% of LMI* counties 100% of all NY counties In...

Oct 15, 2025

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Joint Trades Statement for the Record Senate Finance Subcommitte Hearing on Closing the Tax Gap

May 10, 2021 VIA Electronic Submission Senate Committee on Finance Subcommittee on Taxation and IRS Oversight Attn. Editorial and Document Section Rm. SD-219 Dirksen Senate Office...

Jul 31, 2025

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Joint Letter on Minding the Tax Gap

VIA Electronic Submission House Ways and Means Committee Subcommittees on Oversight and Select Revenue Measures U.S. House of Representatives 1102 Longworth House Office Building ...

Jul 31, 2025

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NV - SBA Fact Sheet

Community Bank Small Business Administration Lending NEVADA 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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ltr102416a

October 24, 2016     Alfred M. Pollard, Esq.   General Counsel  Federal Housing Finance Agency  400 7th St. SW, Eighth Floor   Washington, DC 20219    RE: RIN 2590‐AA84   ...

Aug 1, 2025

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Affirming our continued support for the Community Development Financial Institutions (CDFI) Fund

October 23, 2025 The Honorable Scott Bessent Secretary of the Treasury U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 The Honorable Russell Vought Director...

Nov 3, 2025

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Letter Opposing Changes to Megabank Leverage Ratio

August 26, 2025 Chief Counsel’s Office Attn: Comment Processing Office of the Comptroller of the Currency 400 7th Street, SW, Ste. 3E-218 Washington, DC 20219 Jennifer M. Jones ...

Sep 17, 2025

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19.07.22_HouseSmallBiz

Testimony of Christopher Jordan President and Chief Executive Officer The Farmers State Bank Stigler, Oklahoma On behalf of the Independent Community Bankers of America ...

Aug 1, 2025

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200121_UMBSjoint

1 January 21, 2020 The Honorable Mark Calabria Director Federal Housing Finance Agency 400 7th Street SW, 8th Floor Washington, D.C., 20219 Re: Request for Input on Enterprise...

Jul 31, 2025

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ICBA LIVE 2023 Registration Form

QUESTIONS? 866-843-4222 events@icba.org CHECK ONE:  Member  Non-member Mr.  Ms.  Mx. Name (as you want name to appear on badge) Title Bank/Company Address City State Zip Phone ...

Jul 31, 2025

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18.09.05GSEltr

AN OPEN LETTER TO THE ADMINISTRATION AND CONGRESS A Defining Moment for Housing Finance: The Need to Preserve Access and Affordability While the nation is in the midst of one of the longest...

Aug 1, 2025

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ltr051013

May 10, 2013 United States Senate Washington, D.C. 20510 Dear Senator: On behalf of the 7,000 community banks represented by ICBA, I would like to take this opportunity to communicate...

Aug 1, 2025

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ICBA Testimony for Hope on the Horizon Hearing

Testimony of Alice P. Frazier President and Chief Executive Officer Bank of Charles Town On behalf of the Independent Community Bankers of America Before the U.S....

Jul 30, 2025

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Letter on NCUA Simplified Capital Proposal

October 15, 2021 Ms. Melane Conyers-Ausbrooks Secretary of the Board National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 Re: Capital Adequacy: The...

Jul 31, 2025

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StateAffiliateLetterRespondingtoBankingAgenciesRFIonPaymentsFraud

September 18, 2025 Jonathan Gould Comptroller of the Currency, Office of the Comptroller of the Currency Docket ID OCC-2025-0009 Benjamin W. McDonough Deputy Secretary, Board of Governors...

Nov 7, 2025

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Myths vs Facts on Debit Card Interchange

Myth vs. Fact: Debit Card Interchange | Last Updated: March 18, 2024 Myth vs. Fact: Debit Card Interchange March 18, 2024 Merchants pay a small transaction cost to a cardholder’s bank or...

Jul 31, 2025

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Statement for Senate Hearing on Flood Insurance

www.icba.org/advocacy May 2, 2023 NFIP Reauthorization: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across the nation...

Jul 31, 2025

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Comment Letter to the OCC and FDIC on Federal Interest Rate Authority

January 30, 2020 Mr. Robert E. Feldman Executive Secretary Attention: Comments Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Chief Counsel’s Office ...

Jul 31, 2025

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HowtoCraftanEffectiveCommercialLoanWrite-Up Plus Exhibits

1 DAVID L. OSBURN, MBA, CCRA David Osburn is the founder of Osburn & Associates, LLC that specializes in providing seminars, webinars, and keynote speeches to bankers, CPAs, attorneys, and...

Jul 31, 2025

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cl021914

February 19, 2014 The Honorable Thomas J. Curry Comptroller of the Currency Office of the Comptroller of the Currency 400 7th Street, SW Washington, DC 20219 The Honorable Janet L....

Aug 1, 2025

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cl120814

Submitted Electronically http://www.regulations.gov December 8, 2014 Director Loan Making Division, FLP/FSA U.S. Department of Agriculture 1400 Independence Avenue SW., Stop 0522 ...

Aug 1, 2025

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committee-guidelines

Committee Guidelines Thank you for volunteering your time to serve community banking as a member of an ICBA committee, council or task force. To help ICBA achieve its many and varied goals, your...

Jul 24, 2025

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Positive Pay and Reverse Positive Pay Guide

Check & ACH Fraud: A Brief Guide to Positive Pay and Reverse Positive Pay October 2025 This publication is for general information purposes and is not intended to be, and should not be taken...

Nov 3, 2025

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Info Sheet - USSS Virtualized Cyber Incident Response Simulation - 10.13.21

United States Secret Service Cybercrime Investigations Virtual Cyber Incident Response Simulation October 13, 2021 Over the past several decades, the U.S. Secret Service has successfully...

Jul 31, 2025

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Comment Letter IFR Real Estate Appraisals

June 1, 2020 Robert E. Feldman Executive Secretary, Federal Deposit Insurance Corporation 550 17th Street, N.W. Washington, D.C. 20429 Ann E. Misback Secretary, Board of...

Jul 31, 2025

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Loan Review Seminar Roster

Seminar: Loan Review Seminar Full Registration (SL5415122) Name Company Info Assets Phone Ms. Melissa Ahrens, CCBCA Vice President Chippewa Valley Bank PO Box 37 Bruce, WI 54819 $669,658,000...

Jul 31, 2025

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Handouts3

© 2016 Jeff Judy & Associates Commercial Credit Overview Making the Commercial Credit Decision © 2016 Jeff Judy & Associates Key Credit Concepts • No One Ever Makes a Loan Decision; ...

Aug 1, 2025

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Digital Payments Transformation Roadmap

DIGITAL PAYMENTS TRANSFORMATION WORKBOOK FEB 2023 1 TABLE OF CONTENTS Your Digital Payments Transformation Journey...

Jul 31, 2025

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The NCUA Complaint

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF VIRGINIA INDEPENDENT COMMUNITY BANKERS OF AMERICA 1615 L Street, N.W., Suite 900 Washington, D.C. 20036, ...

Aug 1, 2025

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Comments on DOJ and FTC Merger Guidlines

September 18, 2023 Submitted electronically via Regulations.gov Mr. Johnathan Kanter Ms. Lina Khan Assistant Attorney General for the Antitrust Division Chair Department of Justice ...

Jul 31, 2025

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West Virginia

icba.org | info@icba.org | 866-422-8439 ADV_2430A25 Sources: FFIEC 2024 Q4 Call Reports, NCUA 2024 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

Jul 30, 2025

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Arizona

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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BDP Administrators Guide

Bank Director Program Director Management & Bank Director Online Training (BDOT) Guide ICBA’s online resources are accessible by creating and logging onto ICBA’s website www.icba.org. ...

Jul 31, 2025

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TX - Coverage Fact Sheet

Community Bank Presence in Contrast TEXAS Community Bank Branch Locations Community banks in TX represent 97% of rural* counties 99% of LMI* counties 98% of all TX counties In many...

Oct 15, 2025

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