Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Here are some ideas for strengthening fraud defenses.

Community Bank 134

Community Bank Community Fraud Texas 134

Chris Skinner

JUNE 2, 2017

The race to become Islamic banking’s fintech hub The super-rich are different: they pay less tax. The post Things worth reading: 2nd June 2017 appeared first on Chris Skinner's blog.

Policies 185

Policies Community Bank Taxes Regulation 185

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

ABA Community Banking

MARCH 28, 2025

Banking regulators announced they intend to rescind the 2023 Community Reinvestment Act final rule in light of pending litigation. The post Banking regulators to rescind 2023 Community Reinvestment Act rule appeared first on ABA Banking Journal.

Community 69

Community Regulation FDIC Community Bank 69

Abrigo

APRIL 10, 2017

Ancin commented that this is consistent with the trend he has seen with his clients either beginning to dip their toes into the MBL market, or other clients that are aggressively competing with community banks on commercial lending. Next, Ancin moved into a discussion of the current regulatory environment around MBL.

Regulation 150

Regulation United States Lending Community Bank 150

Independent Banker

DECEMBER 31, 2022

We simply need to remember what makes us special as community bankers, and with that as our foundation, we can embrace this season of change in four primary ways: 1. Demonstrating the community bank difference. They want to come into the bank and say, “We need your support to figure things out.” Gaining advocacy wins.

Community Bank 218

Community Bank Community Hawaii Washington 218

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

Finer Points

JULY 20, 2015

An equally troubling tendency perhaps even more familiar to community banks is the way governments often apply a cookie-cutter approach to their policies. Regulations are inherently rigid […]. We’re all familiar with how government spending tends to grow rather than shrink.

Regulation 100

Regulation Community Bank Policies Community 100

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. The better prepared, the less likely they are to run afoul of the continually shifting regulations. Benjamin Franklin famously said that “by failing to prepare, you are preparing to fail.”

Compliance 101

Compliance Regulation Community Bank Community 101

PYMNTS

AUGUST 7, 2018

Regulators from the U.K., The Global Financial Innovation Network will be made up of 11 other regulators, including the U.S. The regulators will also share policy ideas to ensure they are up-to-date in areas such as artificial intelligence, Big Data and blockchain. and Hong Kong announced on Tuesday (Aug.

Regulation 100

Regulation Fintech Innovation Policies 100

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 195

American Banker

NOVEMBER 27, 2024

"Too big to fail" banking giants like to masquerade as community banks when it suits their purposes, but they will never be able to replace real, local bankers with deep ties to their customers.

Community Bank 99

Community Bank Community Policies Compliance 99

Abrigo

JULY 16, 2021

Takeaway 1 FinCEN published its first list of priorities for AML/CFT policy, as required by the Anti-Money Laundering Act of 2020 (AMLA). Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. financial system. financial system. How to prepare. financial system.

Community 195

Community Regulation Training Policies 195

Independent Banker

JANUARY 31, 2023

billion-asset First State Community Bank in Farmington, Mo. You’ve got to zoom in and zoom out on the tapestry,” says Kari Mitchum, vice president, payments policy at ICBA. To use data effectively, community bankers need to balance the information with what they know to be true about their customers. The results?

Community Bank 91

Community Bank Community Trends Payments 91

South State Correspondent

JANUARY 14, 2025

Many banks budgeted some six rate cuts in their 2024 asset-liability plans last year that never materialized. Going forward, the major unknown is the new administrations policies that all skew to higher inflation (from labor reduction, higher deficits, less regulation, to tariffs).

Management 195

Management Policies Community Bank Community 195

Abrigo

NOVEMBER 12, 2016

Many community banks and credit unions are turning to small business loans as a source of loan growth. In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path.

Lending 186

Lending Community Bank Community Analysis 186

PYMNTS

OCTOBER 8, 2018

The impact of Europe’s General Data Protection Regulation ( GDPR ) continues to take shape roughly five months after taking effect, and Facebook could be on the hook for billions of dollars in fines tied to a data breach of about 50 million user accounts. Crypto Regulations. community banks and small business lending.

United States 174

United States Regulation cryptocurrency Cleveland 174

Independent Banker

JUNE 30, 2022

If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. So, how can community banks build truly inclusive cultures, where everyone feels like they belong? Misti Stanton, Mercantile Bank.

Community Bank 91

Community Bank Community Leadership Millennials 91

ABA Community Banking

MARCH 21, 2025

The CDFI Fund is a proven successful public-private partnership model for maximizing impact while minimizing government expense, two organizations representing bank and credit union state regulators said. The post Bank, credit union state regulators voice support for CDFI Fund appeared first on ABA Banking Journal.

Regulation 52

Regulation Community Bank Policies Community 52

Abrigo

APRIL 12, 2016

Nevertheless, the Supervisory Insights publication “incorporates more recent guidance and technical resources, including significant bank-governance insights and experiences that have been gained since 1988.” The system of goals, objectives, policies, controls, values and behaviors present in an organization that influence risk decisions.

Management 150

Management FDIC Risk Management Community Bank 150

Abrigo

SEPTEMBER 26, 2014

Within the financial industry, the word “regulation” often receives a mixed reaction. Last week, the biggest names in banking addressed their balance sheets, and announced the results of their mid-year stress testing practice. Berger argues that further regulation on credit unions would prove detrimental.

Capital 191

Capital National Regulation Risk Management 191

PYMNTS

MAY 22, 2018

A bill that would give regional banks a break on regulation was before the U.S. The bill also gives regulators more discretion in deciding when to require stress tests of capital adequacy for banks with between $100 billion and $250 billion in assets in the event of another crisis,” according to a summary of the bill in MarketWatch.

Regulation 100

Regulation Regional Innovation Community 100

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank.

Community Bank 171

Community Bank Community Lending Management 171

Independent Banker

OCTOBER 1, 2022

“A lot of people have this notion that it will never happen to my business or my bank, because it’s too small,” says Linda Comerford, assistant vice president of incident response and cyber services at AmTrust Financial Services Inc. The bank was only able to get fully up and running after it paid a negotiated ransom.”.

Montana 152

Montana Policies Resources FDIC 152

Abrigo

FEBRUARY 23, 2023

Meanwhile, leaders at small banks recognize that their institutions play a vital role in helping community businesses and individuals not only weather uncertainty but also thrive. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

Community Bank 195

Community Bank Community Kansas City Lending 195

CFPB Monitor

AUGUST 31, 2021

The OCC, FDIC, and Federal Reserve Board have issued a guide that is intended to assist community banks in conducting due diligence when considering relationships with financial technology (fintech) companies (Guide). Banks are instructed to reference relevant guidance from the agencies that is listed in a footnote.

Community Bank 78

Community Bank Community Fintech Company 78

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. He has served as president and CEO of $365 million-asset Century Bank & Trust in Milledgeville, Ga., now part of Bank of America, before moving to Griffin, Ga.,

Community 172

Community Community Bank Georgia San Antonio 172

ABA Community Banking

JANUARY 16, 2020

The Colorado State Banking Board today denied the sale of a Colorado community bank to one of the state’s largest credit unions. The post Colorado Banking Regulator Denies Community Bank Acquisition by Credit Union appeared first on ABA Banking Journal.

Colorado 49

Colorado Community Bank Community Regulation 49

ABA Community Banking

OCTOBER 15, 2024

Before credit unions acquire banks, they should be required to first receive membership approval, disclose financial terms and demonstrate how bank acquisitions affect communities and taxpayers, ABA President and CEO Rob Nichols said in a letter to the NCUA.

Regulation 52

Regulation Community Community Bank Policies 52

ABA Community Banking

APRIL 9, 2025

The reality is that the banking industry is not the only one knocking on lawmakers doors with a list of things to accomplish. The post Chairs View: The time is now to right-size banking regulation appeared first on ABA Banking Journal.

Regulation 90

Regulation Industry Community Bank Community 90

Independent Banker

SEPTEMBER 25, 2014

A community bank’s practical guide to compliance cost control. Few community banks have the luxury of ripping and replacing their entire compliance management strategy, leaving many executives on the hunt for practical tips. Arguably, compliance costs are one of the fastest noninterest expense costs for a community bank.

Community Bank 105

Community Bank Compliance Community Resources 105

Independent Banker

AUGUST 31, 2021

Here are the key areas of D&I policies and practices that community banks may need if these requirements change or become mandatory. How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices? By Mary Thorson-Wright.

Community Bank 91

Community Bank Policies Community Regulation 91

PYMNTS

MARCH 16, 2016

House of Representatives has spoken out in a new bipartisan letter urging the CFPB to remove small banks and credit unions from its list when developing new regulatory policies that may be designed for larger organizations. This letter was drafted by Reps.

Community Bank 100

Community Bank Community CA Regulation 100

Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

Lending 221

Lending Risk Management Community Management 221

ABA Community Banking

APRIL 8, 2025

The FDIC will waive some requirements for large bank resolution planning and take steps to boost de novo bank formation, particularly in areas of the country without a local community bank, Acting FDIC Chairman Travis Hill said.

FDIC 52

FDIC Community Bank Community Policies 52

Abrigo

APRIL 7, 2022

Today’s financial marketplace is challenged by increasing regulation, high expectations for fast and mobile financial services, and new fintech companies joining the already competitive arena. In a perfect merger, both banks are compliant, risk-based, and consistent with each other’s policies and procedures. Learn More.

Compliance 195

Compliance Policies Fraud Analysis 195

Abrigo

FEBRUARY 23, 2022

After the success community banks and credit unions had helping businesses in their local communities with lending during the pandemic , financial institutions continue to turn to small business loans as a source of portfolio growth. Market Trend. Small business lending is a focus. Streamline the Process.

Lending 195

Lending Community Bank Community Analysis 195