Search
ICBA Objection to Wise National Trust Application
July 18, 2025 Sebastian R. Astrada Director for Licensing Midsize, Trust, Credit Card, and Novel Banks Office of the Comptroller of the Currency 400 7th St., SW Washington, DC 20219 ...
Regulatory Update - Digital Assets Regulations (Update May 2025)
May 2025 ICBA Regulatory Update: Digital Assets Regulation Topic/Issue: Digital Assets Agency: OCC and FDIC Status: In March, the OCC and the FDIC both issued new guidance to adopt a...
Legislative Update - Digital Assets Apr
September 2024 Digital Assets and Community Banks What’s at Stake. Community bankers are increasingly alarmed by the risks presented by digital assets, including scams and...
Capital Summit Digital Assets
DIGITAL ASSETS AND COMMUNITY BANKS In the past year, the cryptocurrency industry has been rocked by high-profile collapses of cryptocurrency lenders and exchanges, notably FTX, as well as the...
Central Bank Digital Currency
February 2024 Digital Assets and Community Banks Status. Community bankers are increasingly alarmed by the risks presented by digital assets, including scams and misrepresentations to...
ICBA to Nacha Increasing the Same Day ACH limit.pdf
December 18, 2025 Jane Larimer President and CEO Nacha 11951 Freedom Drive, Suite 1001 Reston, Virginia 20190 RE: INCREASING THE SAME DAY ACH DOLLAR LIMIT TO $10 MILLION Dear Ms....
ICBA House Financial Services Fraud in Focus Statement for the Record
1 September 18, 2025 Fraud: The Community Bank Perspective The Independent Community Bankers of America (ICBA),1 representing community banks across the nation with nearly 50,000...
Letter to OCC on community bank digitalization
June 26, 2025 Chief Counsel’s Office Attention: Comment Processing Office of the Comptroller of the Currency 400 7th Street, SW, Suite 3E-218 Washington, DC 20219 RE: Request for...
Florida-15
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...
ICBA Response to Nacha Same Day ACH Dollar Limit Increase RFC
Increasing the Same Day ACH Dollar Limit Request for Comment ACH Participant Survey December 7, 2020 COMMENTS DUE BY JANUARY 22, 2021 Nacha requests feedback on a proposal for a series...
A Taxing Problem
ICBA Prof I TAB I L I TY soLuT Ions summer 201212 13 If you’ve watched good-quality mortgage loans walk out the door because your bank doesn’t have the ability to escrow for prop- erty taxes...
ICBA PAC Donors List
2024 ICBA PAC Contributors By Level Contributors $1-$499 Ms. Jill Aanenson Ms. Ashley Brooke Anderson Ms. Ali Atkins Mr. Hugh M. Bartels Ms. Lynn Acheson Mr. Bryan Anderson Mr. Bert Atkins...
Rural America & Agriculture Notebook
2023 MONDAY, MAY 15, 2023 2023 RURAL AMERICA- AGRICULTURE COMMITTEE MONDAY, MAY 15, 2023 ICBA RURAL AMERICA/AG COMMITTEE MEETING NOTEBOOK TABLE OF CONTENTS TAB 1 Meeting...
Joint Trades Trust Charter Comment Letter (July 2025)
July 17, 2025 Via Electronic Mail John (J.J.) Hansen, Director for Licensing Community Bank Regions: Midwest, West Carolina Ledesma, Director for Licensing Community Bank Regions: South,...
Letter to Nacha on International ACH Transactions
May 30, 2025 Jane Larimer President and CEO Nacha 11951 Freedom Drive, Suite 1001 Reston, Virginia 20190 RE: NACHA INTERNATIONAL ACH TRANSACTIONS AND RELATED TOPICS Dear Ms....
ICBA Letter Opposing Sony National Trust Bank Application
November 6, 2025 Sebastian R. Astrada Director for Licensing Midsize, Trust, Credit Card, and Novel Banks Office of the Comptroller of the Currency 400 7th St., SW Washington, DC 20219 RE:...
Joint Letter to Agencies on SBA Questionnaire
1 November 17, 2020 The Honorable Steven Mnuchin The Honorable Jovita Carranza Secretary Administrator U.S. Department of Treasury U.S. Small Business Administration 1500...
18.04.26_House CIltr
April 26, 2018 Dear Members of the House of Representatives: Over the past three years the House Agriculture Committee has conducted numerous hearings and listening sessions throughout...
New York-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 4/7/2022 and updated yearly. COMMUNITY...
MS - Coverage Fact Sheet
Community Bank Presence in Contrast MISSISSIPPI Community Bank Branch Locations Community banks in MS represent 100% of rural* counties 100% of LMI* counties 100% of all MS counties In...
Joint Letter to CDFI Fund on the Revised CDFI Certification Application
1 August 29, 2024 Via Electronic Submission Ms. Pravina Raghavan Director Community Development Financial Institutions Fund U.S. Department of the Treasury 1500 Pennsylvania...
ltr041513a
S Corp Modernization Act April 15, 2013 Dear Member of Congress: As representatives of America’s small and closely-held businesses, we are asking you to take the handcuffs off...
Letter Offering Community Bank Perspective on Stablecoin Legislation
April 19, 2023 The Honorable Patrick McHenry The Honorable Maxine Waters Chairman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...
Letter Congratulating New Treasury Secretary Scott Bessent
January 31, 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...
Regulatory Update - Digital Assets Regulations (Update October 2025)
October 2025 ICBA Regulatory Update: Digital Assets Regulation Topic/Issue: Digital Assets Agency: Treasury Department Status: The Treasury Department has commenced rulemaking to...
Comments on CRA Modernization Proposal
Submitted via regulations.gov August 5, 2022 James P. Sheesley Chief Counsel’s Office Assistant Executive Secretary Attention: Comment Processing Attention: Comments RIN 3064-...
Depository Trades Letter to Senate CDFI Caucus
March 18, 2025 Via Electronic Submission The Honorable Mark Warner The Honorable Mike Crapo United States Senate United States Senate 703 Hart Bldg. 239 Dirksen Bldg. Washington, DC 20510 ...
Oregon-6
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...
Nacha Same Day Faster ACH Letter
Dec 13, 2024 Jane Larimer President and CEO Nacha 11951 Freedom Drive, Suite 1001 Reston, Virginia 20190 RE: NACHA SAME DAY ACH AND FASTER ACH TOPICS Dear Ms. Larimer: The...
Letter to FDIC in Response to Its RFI on Deposits
December 6, 2024 Mr. James P. Sheesley Assistant Executive Secretary Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Re: Request for Information on Deposits...
Tennessee
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...
Digital Transformation - The Payments Business Model
DIGITAL TRANSFORMATION: THE PAYMENTS BUSINESS MODEL SEPTEMBER 2022 TABLE OF CONTENTS Executive Summary...
ICBA Objection to Ripple National Trust Bank Application
August 4, 2025 Sebastian R. Astrada Director for Licensing Midsize, Trust, Credit Card, and Novel Banks Office of the Comptroller of the Currency 400 7th St., SW Washington, DC 20219 RE:...
Legislative Update - Community Bank Formation Growth and Tiered Reg (Updated October 2025)
October 2025 ICBA Legislative Update: Support Legislation to Promote Community Bank Formation, Growth, and Tiered Regulation The bills listed below have all passed the House Financial...
Stablecoin One Pager
Local Lending Is at Risk Stablecoins pose the threat of siphoning deposits away from community banks, which rely heavily on local deposits to fund lending to Main Street. As deposits and lending ...
ltr102213
October 22, 2013 Dear Farm Bill Conference Member: The organizations listed below are writing to express our support for legislative language in the Farm Bill that would protect...
New Jersey-11
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...
The Fed Springs a Liquidity Trap -- What Banks Should Do Now
THE FED SPRINGS A LIQUIDITY TRAP: WHAT BANKS SHOULD DO NOW Presented by: Hunton Andrews Kurth along with FORVIS and Stifel Accounting Considerations for Unrealized Losses on Securities Jason...
CO
Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the outdated tax...
Joint Letter to SEC on Asset-Backed Securities Registration and Disclosure Enhancements.pdf
November 26, 2025 The Honorable Paul Atkins Chair U.S. Securities and Exchange Commission 100 F Street NE Washington, DC 20549 Dear Chairman Atkins: On behalf of our member...