What is the true nature of cryptoassets? Are they securities or commodities? This question, perhaps more than any other, has propelled policy debates over the past few years.

Federal banking regulators so far have approached regulating the use of artificial intelligence through the lens of existing regulations, rather than creating a new set of guidelines. But based on various regulatory announcements, there are some salient risks community banks should consider when using the technology.

To help separate fact from fiction, let’s start with a working definition of AI and related terms, before discussing a few notable use cases for community banks.

Did You Know? Did you know that all banking related courses have an automatic reminder notice to complete the enrolled course at the 30-, 60-, and 90-day mark?

The significant upheaval in the crypto markets—and its impact on consumers and national security—has accelerated Washington’s attention to digital assets policy. Prudential banking regulators, the White House, and the Treasury Department have pursued a range of intertwining policy initiatives, all with direct consequences for the nation’s community banks.

Having trouble keeping up with all the acronyms and initialisms in the banking world? You're certainly not alone. To streamline your understanding, we've put together a handy reference guide.

I’m speaking of the municipal bond market. It is a maxim of community banking that the more munis a bank owns, the higher performing the portfolio will be.

Cybersecurity should be a foundational element of any community bank, but do you really need to be insured for it—especially as premiums rise? We spoke to experts to learn more about this type of insurance.

We (community banks) used to be the department store of financial services. From cosmetics to kitchenware, whatever you needed could be found under the same roof. So, we really didn’t mind much when, one by one, niche providers started to siphon off specific lines of business.

Remaining aware of developments in the digital assets industry is critical as crypto entities seek greater access to the traditional financial system and policymakers in Congress deliberate paths forward.