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As Credit Unions Continue Tax-Subsidized Acquisitions of Community Banks, Washington Should Respond

ICBA President and CEO Rebeca Romero Rainey issued the following statement on the latest reported acquisition opens in a new tabof a tax-paying community bank by a multi-billion-dollar tax-exempt credit union.


Comments on Mortgage Servicing Rights Proposal

ICBA sent a letter to the Financial Accounting Standards Board regarding its Proposed Accounting Standards Update, Transfers and Servicing-Servicing Assets and Liabilities Mortgage Servicing Rights-Recapture. ICBA noted that community banks generally do not have large recapture programs, so the proposal would add significant cost, complexity, and reporting burden with limited benefit, potentially making mortgage servicing less attractive for smaller institutions. ICBA recommended that the FASB slow down the process, seek broader industry input, exempt community banks using the amortization method, and adopt a standardized methodology if it moves forward.


Opposition to Rain’s National Trust Bank Charter Application

ICBA told the OCC it opposes the application filed by Signify Holdings Inc. (Rain) to organize Rain National Trust Bank, a national trust bank in New York, New York. ICBA urged the OCC to deny the application or at least defer action until Rain provides further public disclosure, the public has an opportunity to comment, and the OCC has addressed legal and supervisory concerns.


Explore How Community Banks are Navigating Innovation Through Real-World Success Stories

Explore real-world examples of innovation in action across the community banking industry. These case studies highlight how banks and technology providers are addressing key challenges, improving efficiency, enhancing customer experiences, and driving growth. 

 

The early bird registration deadline for ICBA LIVE 2027 is Nov. 17. Join your peers at the world's largest gathering of community bankers for expert education, peer networking, and exclusive industry insights, March 1-4 in Las Vegas.

We’re in San Diego this week to power the future of community banking. Bold ideas. Real strategy. Meaningful connections. It’s all happening right now.

Get a look into ICBA LIVE on LIVE TV and follow the conversation on social media using #ICBALIVE.

Focus on AI and Crypto

The industry is at a pivotal moment, with rapidly evolving crypto policy proposals and advances in AI technologies reshaping the landscape. ICBA is amplifying the voice of community banks and providing the tools and resources needed to navigate change, shape policy, and ensure continued success.

Artificial Intelligence & Community Banking
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Artificial Intelligence & Community Banking
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ICBA Events

BSA Hot Topics 2026 Webinar

Explore the latest BSA/AML hot topics affecting community banks, including emerging risks, enforcement action trends, and recent regulatory developments. This timely session will provide practical insights to help your bank stay informed, strengthen compliance efforts, and respond effectively to an evolving regulatory environment.  Learning Objectives:   Identify emerging BSA/AML risks affecting community banks.  Examine recent enforcement trends and regulatory developments.  Apply practical insights to strengthen compliance efforts and respond to the evolving regulatory environment.  Duration: 60-minutes  Presented live and recorded on 11/17/2026.  
Nov 17, 2026  | 
  • Webinar
  • Bank Secrecy Act/Anti-Money Laundering Act (BSA/AML) Compliance

    Modern Financial Services Simplified Webinar

    New technologies and concepts are impacting community banks, and many bankers do not have a working knowledge of the evolving financial products and services. Artificial intelligence. Bitcoin. Blockchain. Stablecoins. Crypto. Decentralized finance. Disintermediation. These are critical components of the modern financial services system, and they differ from traditional community banking. Given their growth and expectations for continued prevalence, and impact on community banking, every community banker should have a fundamental understanding of these items and what they mean for the community banking industry. This session gives a straightforward and simple explanation of modern financial services and how they are currently and may continue to impact community banks. Learning Objectives: Understand key modern financial services concepts. Differentiate modern and traditional banking models. Assess emerging technologies’ impact on community banks. Identify key opportunities, risks, and strategic implications. Duration: 60-minutes Presented live and recorded on 11/18/27.
    Nov 18, 2026  | 
  • Webinar
  • Automated Clearing House (ACH) Compliance

    Demystifying Digital Assets: Beyond the Token with Stablecore Webinar

    This session will connect technology to banking needs, explore potential use cases, implementation considerations, and the questions bankers should ask as they evaluate emerging solutions. Topics will range from payments and customer experience to integration, operational readiness, and risk management. Whether your bank is beginning to explore digital money or considering its next steps, Beyond the Token with Stablecore will help you assess the possibilities with greater clarity and bring a practical community banking perspective to what comes next. Duration: 90-minutes Presented live and recorded on 11/19/26.
    Nov 19, 2026  | 
  • Webinar
  • Digital Assets Payments

    Managing High-Risk Customers: CDD and EDD Best Practices Seminar

    Due diligence expectations vary based on customer risk and continue to evolve. This seminar provides a practical overview of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) best practices for high-risk customers, with a specific focus on nonresident alien and foreign individual accounts. Participants will learn key risk indicators, documentation expectations, and examination considerations when managing these relationships. Learning Objectives: Understand regulatory expectations and best practices for conducting CDD and EDD for high-risk, nonresident alien, and foreign individual customers. Identify key risk indicators and documentation requirements specific to nonresident alien and foreign individual accounts. Apply a risk-based approach to account onboarding, monitoring, and periodic reviews to better manage compliance and examination risk.
    Dec 1, 2026  | 
  • Seminar
  • Retail Banking/Frontline Bank Secrecy Act/Anti-Money Laundering Act (BSA/AML)

    Top Topics

    Discover the leading topics in community banking, highlighted by data on what matters most to bankers and expert insights from ICBA’s executives on emerging industry trends.

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    Artificial Intelligence

    “The nation’s community banks are leveraging AI to strengthen operations and resilience while they work to address key AI risks and implementation challenges that warrant further attention.”

    - ICBA President and CEO Rebeca Romero Rainey

    About the Independent Community Bankers of America

    ICBA powers the potential of the nation’s community banks through effective advocacy, education, and innovation so that community banks can continue to strengthen, invest, and provide opportunities for the people and families in the communities they serve.

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    Amplifying Advocacy

    We champion community bank advocacy in Washington to ensure your voice is heard. 

    By working with our affiliated state banking associations and the nation’s community bankers, we have a proven track record of advancing and achieving pro-community bank policies and regulatory reform.

     

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    Elevating Education

    We provide high-caliber courses, live events, webinars, resources, certifications, and programs that power the potential of community bankers at all levels.

    By making learning personal, practical, fun, and community bank specific, we fuel individual, team, bank, and community prosperity.

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    Infusing Innovation

    We understand the challenges and opportunities that lay ahead for community banks. 

    Our innovation programming designed for community banks helps you navigate your innovation journey and remain profitable, efficient, and competitive. 

     

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    Resources by Role

    Today's modern learner has only a fraction of their workweek available for training and professional development. This fast-paced way of life requires the delivery of learning opportunities through multiple channels to provide you convenience and flexibility.

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