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Letter Urging the OCC to Withdraw National Bank Chartering Proposal

ICBA sent a letter to the OCC in response to its request for information on its notice of proposed rulemaking on national bank chartering, which would amend current regulations to permit the OCC to charter limited purpose trust banks that engage substantially in non-fiduciary activities. ICBA:

  • Said the proposed amendment is both inconsistent with statutory authority and poses significant public policy concerns.
  • Said it is particularly concerned that the proposed change will promote the position that the OCC may charter uninsured national trust banks that engage in non-fiduciary cryptocurrency-related activities without being subject to the Bank Holding Company Act and other prudential requirements that apply to FDIC-insured institutions.
  • Urged the OCC to withdraw the NPR or reissue an amended NPR that is consistent with the OCC’s statutory authority.
  • Said that, at minimum, the agency should also impose a moratorium on pending and new charter applications until a final rule fully aligns with statutory intent and incorporates public comments.

Letter in Support of Senate TRUST Act

ICBA sent a letter to members of the Senate Banking Committee in support of the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act (S. 3830), which would create regulatory relief for numerous community banks. The TRUST Act would raise the consolidated asset threshold from $3 billion to $6 billion for banks to qualify for an 18-month examination cycle. ICBA said that a higher threshold for well capitalized and well managed banks that pose no systemic risk is safe and sensible reform that would allow more community banks to direct more resources toward serving their customers and communities.



Tell Congress: Protect vital role of community banks in digital assets market structure legislation

Congress needs to hear how your deposits support your community and why it is important they protect against deposit flight.


ThinkTECH Accelerator Program 10 Begins Soon

The Accelerator identifies and supports a variety of mission-driven, growth stage providers through a proven methodology that rapidly validates and helps shape emerging industry solutions.

New from ICBA Education: Digital Assets Webinar Series

Digital assets are influencing the future of finance, making this an ideal time for community banks to build their knowledge. This five-part webinar series equips community bankers with a fundamental understanding of digital assets, from basic concepts to strategic implications.

Get Started Find info and register for the webinar series
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Time is Running Out: Register Now for the Largest Gathering of Community Banks in the World

ICBA LIVE is more than a convention—it’s a celebration of community banking and the people who power it.

 

It’s where ICBA members come together to connect with peers, be inspired by bold ideas, and gain practical insights to stay competitive in a rapidly changing world.

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ICBA Events

Basic Personal and Business Tax Return Analysis

Interpreting tax returns can be complex and intimidating. But it’s a critical skill for bank personnel involved in consumer, mortgage, and commercial lending. This session provides bankers with knowledge of the often complex and confusing topic of taxes for consumer, mortgage, and/or commercial lending purposes. The first part of the webinar will concentrate on personal tax return analysis while the second section will focus on business tax returns. Learning Objectives (Personal) : Review the basic structure of the personal 1040 federal tax return. Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules and K-1 forms. Discuss recent changes in the tax code, including the One Big Beautiful Bill (OBBB), and how they affect individual borrowers/guarantors.   Learning Objectives (Business) : Analyze the structure of an LLC, S corporation, and C corporation. Explore business tax returns and prepare cash flows for these entities along with the preparation of a global cash flow (personal & business). Review tax and technology issues, identify fraudulent returns, and describe how tax returns can be used to market the bank’s products and services. Discuss updates in the tax code and how they apply to businesses. Duration: 90 minutes Presented live and recorded on 2/18/26.
Feb 18, 2026  | 
  • Webinar
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    The Digital Asset Ecosystem: Stablecoins vs. Traditional Cryptocurrencies

    Cryptocurrencies and stablecoins both play important roles within the digital asset ecosystem, but they are designed for different purposes. For community banks, understanding the differences between the two is essential for informed internal discussions and meaningful conversations with customers. This webinar provides insight into the evolving world of digital assets, highlighting the fundamental differences between cryptocurrencies and stablecoins. You’ll learn how each works, why they matter, and how they may shape the future of the global financial system. Learning Objectives: Distinguish between stablecoins and traditional cryptocurrencies. Recognize why these digital assets matter. Understand the roles that stablecoin and cryptocurrencies play in the broader world of digital assets. Duration: 60 minutes Presented live and recorded on 02/18/26. Purchase the five-part webinar series
    Feb 18, 2026  | 
  • Webinar
  • Digital Assets Payments

    Using Research to Guide Your Future

    Transform research into a powerful management tool that strengthens performance evaluation and supports smarter decision-making. In this session, we’ll explore the advantages of various research methods—from surveys to focus groups—and how they can be applied to strategic and marketing planning. Walk away with actionable insights you can use to enhance decision-making and drive your bank’s success. Learning Objectives: Describe how research can be used as a tool to evaluate organizational performance and guide decision-making. Explore the strengths of surveys, focus groups, and other research approaches. Identify appropriate contexts for applying each research method in banking. Duration: 60-minutes Presented live and recorded on 02/19/26.
    Feb 19, 2026  | 
  • Webinar
  • Marketing Data and Analytics

    What are Tokenized Deposits

    Many professionals encounter the term “tokenized deposits” without a clear understanding of what it means or how it works. This session explains what tokenized deposits are, how they function, and their emerging role in the banking sector. You will gain a solid, practical understanding of the core concepts and their growing impact on the industry. Learning Objectives: Define the term “tokenized deposits.” Identify the differences between tokenized deposits and traditional deposits. Understand the relation between tokenized deposits, stablecoins, and central bank digital currencies (CBDCs). Learn how tokenized deposits fit in today’s banking models and emerging digital assets frameworks. Recognize the regulatory treatment differences between tokenized (FDIC insured) and stablecoins (not FDIC insured). Duration: 60-minutes Presented live and recorded on 02/24/26. Purchase the five-part webinar series
    Feb 24, 2026  | 
  • Webinar
  • Digital Assets Payments

    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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    Fraud

    “Check fraud is a growing threat that puts your customers' financial security at risk—staying informed and implementing preventative measures is crucial for protecting your institution and upholding trust in the banking industry.”

    - Scott Anchin, Senior Vice President, Strategic Initiatives and Policy

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    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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