Advocacy & Policy articles

Overdraft Protection Requirements

Overdraft Protection Requirements

ICBA’s Regulatory Outlook for 2013 By Elizabeth Eurgubian Following extensive activity related to overdraft protection by the prudential bank regulators in recent years, the CFPB has taken up the issue and is expected to continue releasing regulations in 2013. In 2011, the FDIC published final guidance on overdraft services while the Office of the Comptroller […]

Farm Credit Administration Hubris

ICBA’s Regulatory Outlook for 2013 By Mark Scanlan The recent actions of the Farm Credit Administration (FCA), the Farm Credit System’s (FCS) captive regulator, bring to mind the famous quote by Sir Walter Scott—“Oh what a tangled web we weave, when first we practice to deceive!” Ever since ICBA and community bankers stopped the self-serving […]

Evolving Fair Lending Interpretations

ICBA’s Regulatory Outlook for 2013 By Lilly Thomas Community bankers have already begun to see their regulators pay close attention to fair lending enforcement, and we expect this trend to continue in 2013. Community banks will likely continue to experience rigorous fair lending exams in the coming year with longer examinations and changes in statistical […]