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With all the regulatory headaches looming in the coming months, your policies shouldn't be one of them. Alleviate the tedious task of developing bank policies from scratch.
These policies provide a quick reference with thorough, easy-to-read instructions to guide your bank through the policy development or revision process. There are more than 100 policies available, covering everything from compliance to lending and social media.
Using any standard word processor and following the instructions provided, you can quickly customize these policies to work for your bank. If amendments are made to the policy within 12 months of purchase, you will automatically receive the revised text necessary to keep your policy in compliance with regulatory expectations.
| Details | Price | Info |
|---|---|---|
Reconsideration of Value (ROV) PolicyThe Reconsideration of Value Policy is designed to streamline the process of handling appraisal disputes efficiently and in compliance with regulatory guidelines. This customizable policy helps your financial institution manage requests for appraisal reconsideration, ensuring a consistent and fair approach while mitigating risk. By establishing clear procedures, your team can address borrower concerns confidently, improving customer satisfaction and maintaining compliance. ICBA Education Subject Matter |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Automated Clearing HouseCrafted specifically for community financial institutions, the ACH Policy offers a comprehensive solution for establishing a robust framework governing Automated Clearing House (ACH) transactions. Aligned with the National Automated Clearing House (NACHA) rules and guidelines, this customizable Word document covers ACH responsibilities, compliance measures, and risk management concerns for both originating and receiving financial institutions. ACH |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
FDIC Signage & Advertisement RequirementsThe FDIC has recently updated the requirements regarding FDIC insurance. As part of that update, all FDIC-insured institutions must have a policy regarding these FDIC requirements. Streamline compliance with FDIC signage and advertisement requirements using our FDIC Signage & Advertisement Requirements Policy. Tailored specifically for community banks, this customizable policy solution assists your institution in adhering to the latest FDIC regulations, including display guidelines for official signs and advertisement statements. Stay ahead of compliance challenges and protect your institution’s integrity.
|
ICBA Member - $175.00
Non-Member - $195.00 |
Learn More |
Artificial Intelligence Governance PolicyThis policy offers guidance for directors, officers, and staff in effectively managing cyber risks in the context of artificial intelligence (AI). It addresses critical aspects, such as strategic planning, approval authority, acceptable use, incident response, and vendor management. ICBA Education |
ICBA Member - $195 Non-Member - $215 |
Learn More |
Vendor Risk ManagementProvides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls, business resumption, and monitoring.
ICBA Education |
ICBA Member - $445.50 Non-Member - $495.00 |
Learn More |
Code of Conduct and Conflict of Interest PolicyGuides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct.
ICBA Education |
ICBA Member - $310.50 Non-Member - $345.00 |
Learn More |
Current Expected Credit Loss PolicyDesigned to maintain an adequate methodology for complying with CECL. This policy cover the role of the Board and Management; an overview of the allowance for credit losses; the components of the primary allowance for credit loss and reporting and testing. ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
SAFE Act Bank PolicyGuides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Military Lending Act Bank Policy This policy outlines the objective of the Military Lending Act to extend protections to a broader range of closed-end and open-end products. Includes information on the MAPR, disclosure requirements, limitations and interpretations of the Department of Defense.
ICBA Education |
ICBA Member - $202.50
Non-Member - $225.00 |
Learn More |
Servicemembers Civil Relief Act Bank Policy This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Community Reinvestment PolicySets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Appraisals and Evaluations Bank PolicyEstablishes guidelines to assist the bank in protecting its interest in real estate-related transactions. Includes appraiser and evaluator qualifications and selection, as well as the competency requirements.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Environmental Risk and Liability Bank Policy Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Real Estate Settlement Procedures Act Policy Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Flood Insurance PolicyEnsures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Loan Workout PolicyEstablishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent with safe and sound lending practices and regulatory reporting requirements.
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Loan Review Policy Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Commercial Lending Policy Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Consumer Lending Policy Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.
ICBA Education |
CBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Agricultural Lending Policy
Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria.
ICBA Education |
ICBA Member - $535.50
Non-Member - $595.00 |
Learn More |
Credit Policy Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Fair Lending Policy Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact.
ICBA Education |
ICBA Member - $472.50
Non-Member - $525.00 |
Learn More |
Real Estate Lending PolicyCovers in detail the general policies that apply to all real estate secured lending, portfolio diversification, notices, pricing, CRE, product structure, IORR, construction lending, development loans, and concentration management.
ICBA Education |
ICBA Member - $472.50
Non-Member - $525.00 |
Learn More |
Merchant Services Policy Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.
ICBA Education |
ICBA Member - $270.00
Non-Member - $300.00 |
Learn More |
Quality Control System Policy Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Home Equity Lending Policy Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Secondary Mortgage Market PolicyThis policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the bank.
ICBA Education |
CBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Marijuana Business and MRB Lending Policy Establishes a prudent framework for financial institutions to responsibly conduct business with legal marijuana/cannabis businesses in their communities while acknowledging and mitigating the legal and regulatory risks posed by doing so. The Marijuana Business and MRB Lending Policy can be customized to fit the institution’s risk profile and line of business strategy and assures lending, compliance, and BSA/AML staff have access to necessary information that addresses the many marijuana/cannabis issues that must be understood, documented, and monitored. Includes a Due Diligence Checklist.
ICBA Education |
ICBA Member - $400.50
Non-Member - $445.00 |
Learn More |
Incident Response Plan PolicyLays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a sample customer notification letter, and an incident response form.
ICBA Education |
ICBA Member - $202.50
Non-Member - $225.00 |
Learn More |
Unfair and Deceptive Credit Practices Policy Establishes procedures for receiving and handling consumer complaints. States the bank's intent to prevent unfair, deceptive or abusive acts or practices in connection with any transaction for a consumer financial product or service. Sets guidelines to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices. Policy template includes Review Procedures and Consumer Complaint Procedures.
ICBA Education |
ICBA Member - $382.50
Non-Member - $425.00 |
Learn More |
Right to Financial Privacy Policy Establishes limitations and duties regarding the release of information sought by government agencies.
ICBA Education |
ICBA Member - $202.50
Non-Member- $225.00 |
Learn More |
Regulation P: Consumer Privacy Policy Addresses the collection, use, and retention of customer information, including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining customer privacy in business relationships with third parties, and disclosure of privacy principles to customers.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Fair Debt Collection Act Policy Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Safeguarding Customer Information Policy Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board.
ICBA Education |
ICBA Member - $382.50
Non-Member - $425.00 |
Learn More |
Identity Theft Prevention Policy (Red Flag) Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the final rules and guidelines implementing sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) including "red flag" guidance.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Information Security Program Policy This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.
ICBA Education |
ICBA Member - $535.50
Non-Member - $595.00 |
Learn More |
Disposal of Consumer and Customer Information Policy Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.
ICBA Education |
ICBA Member - $202.50
Non-Member - $225.00 |
Learn More |
Do-Not-Call Policy Provides banks with guidance on complying with FTC and FCC regulations dealing with telemarketing practices. Covers federal Do Not Call Registry, internal lists, customers and non-customers, training, and retention periods. Includes a template for a Do Not Call Policy that you can give to individuals when they request a copy.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Fair Credit Reporting Act Policy Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.
ICBA Education |
ICBA Member - $400.50
Non-Member - $445.00 |
Learn More |
Litigation Risk Policy Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls.
ICBA Education |
ICBA Member - $310.50 Non-Member - $345.00 |
Learn More |
Management of Country Risk Policy Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country exposure reporting system, risk analysis, country risk ratings, exposure limits, and monitoring provisions.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Liquidity Contingency Funding Plan Policy Provides a written contingency funding plan as required by Interagency Guidance on Funding and Liquidity Risk Management. Delineates strategies and actions addressing potential liquidity shortfalls in emergency situations. Includes identification of stress events, stress levels, early warning indicators, parameters for liquidity stress testing, sources of funds and funding strategies, lines of responsibility and communication, as well as a detailed crisis action plan.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Liquidity Risk Management Policy Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin.
ICBA Education |
iCBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Planning and Budgeting Policy Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Capital, Earnings, and Dividend Policy Provides a clear outline of the bank's goals and parameters for maintaining an adequate capital base, and states how the payment of dividends relates to those goals and parameters.
ICBA Education |
CBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Investment Policy Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local communities' credit/financing needs.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Funds Management Policy Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Regulation F: Correspondent Banking Policy Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank and outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Electronic Banking Risk Management Policy Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Risk Management Policy
Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee and risk management officer.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Interest Rate Risk PolicyEstablishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats.
Updated to reflect the current expectations of the regulators as outlined in FIL-2-2012 Supervisory Guidance: Interest Rate Risk Management.
Major topics covered in the policy:
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Social Media Policy and Guidelines Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media.
ICBA Education |
ICBA Member - $382.50
Non-Member - $425.00 |
Learn More |
Cybersecurity Policy Written to assist all affected directors, officers, and staff in understanding and managing cyber risks. Topics include threat intelligence, situational awareness, risk assessment, inventory log management and monitoring, strategic planning, incident response, change management, staffing, training, and vendor management.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Technology Risk Management Policy Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency planning; and potential exceptions.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Model Risk Management Policy Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and managed effectively.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Internet and E-Mail Risk Management Policy Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers' privacy, procedures in the case of disruptions of bank operations, bank computers, terminals, software, and their electronic connections.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Remote Deposit Capture Policy
Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Pandemic Policy This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Emergency Preparedness and Disaster Recovery Policy Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Business Continuity Management Policy Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Bank Protection Act Policy Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Regulation GG - Unlawful Internet Gambling Policy Policy states how the bank will implement its compliance with Regulation GG and how it will identify and block, or otherwise prevent and prohibit restricted transactions.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Regulation E: International Remittance Transfer Policy Act Provides guidance for those banks that will act as Remittance Transfer Providers. Dodd-Frank added consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries. The systems required by this regulation are intended to significantly improve the predictability of remittance transfers, as well as provide consumers with better information for comparison shopping. This policy is designed for those banks that will process more than 100 remittance transfers annually.
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Regulation E: Electronic Funds Transfer Act Policy Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Regulation CC: Expedited Funds Availability Act Policy Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.
ICBA Education |
ICBA Member - $382.50
Non-Member - $425.00 |
Learn More |
Regulation DD: Deposit Account Terms, Disclosures, and Advertising Policy Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Regulation D: Reserve Requirements of Depository Institutions Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties. Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements.
ICBA Education |
ICBA Member - $202.50
Non-Member - $225.50 |
Learn More |
Money Services Businesses Policy This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Marijuana/Cannabis and MRB Policy This policy establishes the responsibilities and requirements for conducting banking activities for legal marijuana and cannabis businesses, including those Tier 2 and Tier 3 businesses that have a secondary or tertiary relationship with marijuana related businesses.
ICBA Education |
ICBA Member - $400.50
Non-Member - $445.00 |
Learn More |
Bank Secrecy and Anti-Money Laundering Policy Provides procedures as required by the regulatory agencies. Includes information on exempt persons, internal records, currency transaction reports, Office of Foreign Assets Control, Customer Identification Program and Customer Due Diligence, wire transfers, and anti-money laundering.
ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
Business and Travel Expense Policy Defines the general types of expenses the bank will incur; establishes the budgeting and operational procedures needed to implement the policy; and provides policy guidelines for travel and entertainment.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Executive Officer Policy Defines the relationship between the board and executive management and between executive management and the bank's other personnel. Covers hiring practices, management succession, promotions, and salary administration.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Charitable Contributions Policy Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Board of Directors Policy Designed to assist the board in recognizing and carrying out its duties and responsibilities for overall direction of the bank. Includes planning and budgeting, monitoring operations, overseeing business performance, training, committees, and code of conduct.
ICBA Education |
ICBA Member - $400.50
Non-Member - $445.00 |
Learn More |
Insider and Affiliate Credit Policy For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Pre-Employment Background Screening Policy Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Human Resources Policy
Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee classifications, employee compensation, hiring practices, vacations, sick leave, family and medical leave, education, termination, and sexual harassment. Includes new employee orientation and training.
ICBA Education |
ICBA Member - $472.50 Non-Member - $525.00 |
Learn More |
CAN SPAM Policy Outlines the specific procedures when initiating electronic mail messages to any recipient with the primary purpose of communicating a commercial message, primarily emails whose purpose is to advertise or promote a commercial product or service, which includes website content.
ICBA Education |
ICBA Member - $175.50
Non-Member - $195.00 |
Learn More |
Work From Home Policy This policy is written to include both long-term and emergency situations for bank employees working at home or in a remote location, and addresses the determination and availability of employees, productivity issues, home office and equipment assessment, remote access considerations, safeguarding information, monitoring, and reimbursement considerations. A short-term telecommuting agreement is also included.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
I.T. Asset Lifecycle Policy Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer's plans for providing technical support and developing patches to correct any identified security vulnerabilities or operability issues.
ICBA Education |
ICBA Member - $202.50
Non-Member - $225.00 |
Learn More |
ADA Website Accessibility Accommodations Policy Addresses the need of the bank’s website to provide equal treatment to all its customers and the public under Title II of the ADA, the Rehabilitations Act of 1973, and Department of Justice (DOJ) web accessibility directives in accordance with Web Content Accessibility Guideline (WCAG) 2.0 Level AA and the United States Access Board’s Section 508 Standards.
ICBA Education |
ICBA Member - $175.50
Non-Member - $195.00 |
Learn More |
ADA General Accessibility Accommodations Policy Describes the bank’s intention to ensure that its services are accessible and accommodating to individuals with disabilities. Includes a policy statement; roles and responsibilities of bank board, executives, committees, and employees; grievance processes; and contact for inquiries, questions, assistance, and general information.
Compliance |
ICBA Member - $175.50
Non-Member - $195.00 |
Learn More |
Diversity, Equity, and Inclusion Policy Diversity and inclusion standards have been set and this policy assists a financial institution in defining how it will implement, monitor, and convey their standards in the hiring and promoting of employees and in dealing with suppliers. Includes a policy statement suitable for public sharing.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Marketing Policy Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic limitations, and prohibited activities.
ICBA Education Marketing |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Branch Closing Policy Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services.
ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
Learn More |
Dormant Accounts Policy Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments.
ICBA Education |
ICBA Member - $225.00
Non-Member - $250.00 |
Learn More |
Cross-Selling of Products and Service Policy
May be used as a freestanding policy or incorporated into your bank's broader-coverage marketing policy. Covers responsibilities for administering and overseeing the cross-selling program, participation and involvement, access and use of customer data for prospecting, compensation and incentives, elements for effective training and coaching, and quality assurance.
ICBA Education |
ICBA Member - $382.50
Non-Member - $425.00 |
Learn More |
Holding Company Policy Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Fixed Asset Management Policy Describes the responsibilities and processes utilized in the management of the bank's building, fixtures, furniture, and equipment.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Safe Deposit Box Policy
Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions and scope, responsibility, CIP, rental contracts, state law issues, customer and master keys, access, employee access, delinquency and termination, fees/charges, record keeping, insurance, audit, and policy review.
ICBA Education |
ICBA Member - $319.50
Non-Member - $355.00 |
Learn More |
Wire Transfer Policy Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on regulatory requirements, money laundering, and settlement by giving best practice examples.
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Sale of Nondeposit Investments Policy Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and circumstances of sales, disclosures and advertising, suitability, qualifications and training, compensation, fiduciary accounts, third-party arrangements, compliance and audit, exceptions to policy, and policy review.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Bank Owned Life Insurance (BOLI)Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Overdrafts Policy Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting
ICBA Education |
ICBA Member - $220.50
Non-Member - $245.00 |
Learn More |
Internal Controls Policy Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system. Covers administrative, accounting, and operating controls.
ICBA Education Subject Matter |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Internal and External AuditDesigned to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and responsibilities of the auditor, the audit program, program effectiveness, external audit firms, and review of external audit.
ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
E-Sign Act Policy The E-Sign Act provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. E-Sign allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing, if the consumer has affirmatively consented to such use and has not withdrawn such consent.
ICBA Education |
ICBA Member - $247.50
Non-Member - $275.00 |
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Electronic Data Processing Policy
Outlines the basic standards required to meet all areas of the bank's data processing operations. Provides structure and guidance to management, establishes controls, and addresses outside vendors, program security, and documentation.
ICBA Education |
ICBA Member - $265.50
Non-Member - $295.00 |
Learn More |
Social Media Toolkit and Policy Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media.
ICBA Education |
ICBA Member - $472.50
Non-Member - $525.00 |
Learn More |
Compliance Management Policy This is an overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart.
ICBA Education |
ICBA Member - $310.50
Non-Member - $345.00 |
Learn More |
Home Mortgage Disclosure Act Reporting PolicyEstablishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public. ICBA Education |
ICBA Member - $355.50
Non-Member - $395.00 |
Learn More |
Regulation B: Equal Credit Opportunity Act PolicyProvides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting. ICBA Education |
ICBA Member - $292.50
Non-Member - $325.00 |
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Regulation Z: Regulation Z SuiteThis suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy, Consumer Credit Card Policy, and Appendix. ICBA Education |
ICBA Member - $445.50
Non-Member - $495.00 |
Learn More |
| Details | Price | Info |
These policies provide a quick reference with thorough, easy-to-read instructions to guide your bank through the policy development or revision process. There are more than 100 policies available, covering everything from compliance to lending and social media.
Using any standard word processor and following the instructions provided, you can quickly customize these policies to work for your bank. If amendments are made to the policy within 12 months of purchase, you will automatically receive the revised text necessary to keep your policy in compliance with regulatory expectations.