Director Training

The rules and regulations governing IRAs, HSAs, and other tax favored savings accounts are constantly evolving. This can prove to  be challenging to keep up with. Rely on our industry experts to bring you up to date on recently proposed legislation and regulatory changes that may affect your organization and your clients.

Most people in the banking business are familiar with IRS Form 1099-INT, which deals with true interest payments (payments for the use or forbearance of money). 

Many community banks are contemplating the future of digital assets and the role they will play in the financial services industry. The various possibilities and issues related to virtual currencies, non-fungible tokens, and other digital assets are endless.

In response to the 2023 bank failures and tightening liquidity conditions, the focus on liquidity and risk management has intensified. It is a crucial time to explore how proactive financial institutions are adopting "best practice" approaches to liquidity management.

Further details will be available 30 days prior to the webinar date.

Welcome to banking! There is hardly a vocation that touches more lives than the finance industry. To fully realize what we do, one needs to understand the banking industry.

Further details will be available 30 days prior to the webinar date.

Brokered deposits provide an important source of funding for community banks. Recent changes to FDIC rules and guidance have offered clarity in certain areas of the brokered deposit regulatory regime while creating uncertainties in other areas. Discuss the general legal framework surrounding brokered and core deposits, and industry trends.

Inflation has dramatically changed stress testing. Liquidity, cost of funding, cap rates, appraisal evaluations, and other factors are changing the way capital adequacy is tested. Explore how banks think about such matters as well as what capital planning looks like today.

The current and prospective banking environment has many community banks considering capital raising alternatives. If your bank is in this position, it is important that your board understands all of the available capital-raising alternatives.

From time-to-time, banks consider whether a different category of bank charter would be right for them. Walk through some of the items banks should consider when changing charters, and the process of changing charters or primary federal regulator.

Each payment network has its own set of rules and regulations, and the check network is no exception. Regulation CC and the Uniform Commercial Code Article 3 and Article 4 pertain to all checks. However, the clearing path dictates which rules apply.

 The current and prospective banking environment has many community banks considering capital raising alternatives. If your bank is in this position, it is important that your board understands all of the available capital raising alternatives. Participants will review various capital raising methods, including bank stock loans, subordinated debt, the sale of common stock, preferred stock sales, and the sale of other equity-like instruments, from both business and legal viewpoints.

The most prominent competitive advantage for community banks is their ability to provide better, more personal service than larger institutions. This requires community banks to have a top-notch team that can operate in an efficient and effective manner. Attracting and retaining these quality teams becomes more difficult every year and came to a head while the industry navigated COVID-19 and economic uncertainty. Discuss compensation structures and strategies to attract and retain the team your community bank needs to drive continued growth and success into the future.

The demands on community bank directors have increased exponentially in recent years. Without question, the most difficult challenge for community bank directors (most of whom are not career bankers) is fulfilling their obligation to ensure the institution achieves and maintains compliance with applicable laws and regulations.

Community banks are well accustomed to operating subject to an ever-evolving set of standards imposed by their regulatory agencies. One area that has undergone significant changes is the expenses incurred by community banks. 

Community banks must constantly ensure they maintain compliance with applicable laws and regulations to operate efficiently and avoid being placed in the regulatory penalty box. This is particularly important regarding regulations governing potential insider abuse, such as Reg. W and the restrictions and limitations it places on affiliate transactions.

At its core, community banking is risk management. In addition to community banks’ commitment to risk management on a day-to-day basis, it is important that community banks utilize insurance to protect themselves, their directors and officers from both internal and external risks. Discuss key insurance protections, with a focus on directors’ and officers’ insurance policies and financial institution bonds, as well as relevant insurance issues that can be applied to insurance protections in other areas of community bank operations.

During this webinar bankers will learn about the different customer channels available and their associated risks, potential third-party partners, and costs to the business. 

Organizational change requires buy-in from all parts of the business—from bank directors to senior management to bank staff. 

Strategic planning is an essential aspect of every community bank’s operations. Its importance becomes more apparent when community banks face challenges such as the lingering impact of the COVID-19 pandemic and present economic struggles.

The transfer of bank or bank holding company stock as part of a shareholder’s estate planning process can involve several potential regulatory, corporate, and tax issues. Banks and bank holding companies should be aware of what these issues are, how they could impact their institution, and how they can proactively educate their shareholders on these issues.

The regulators have shifted their approach to liquidity and interest rate sensitivity. Administrative actions have proliferated. Even the banks avoiding such fate are seeing Matters Requiring Attention (MRAs) and supervisory recommendations. At the same time, the liquidity crisis and interest rate environment are introducing new credit risks and opportunities.

The FedNow Service is a new instant payment service from Federal Reserve that will enable financial institutions of every size, and in every community across the U.S., to provide safe and efficient instant payment services in real time, around the clock, every day of the year.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require mandatory bank compliance by January 1, 2026.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require bank compliance by January 1, 2026.

ICBA Members: Complimentary
Unlimited Webinar Pass subscription: $0

Join us for this 90-minute session as we hear from four bankers and four company founders who together are improving the performance of their banks using emerging agtech solutions. You’ll get a quick understanding of how they partnered to solve a particular challenge, how they deployed the solution and the results that they are experiencing.

Registration fee: $0 for members / $99 nonmembers

The Federal Deposit Insurance Corporation (FDIC) and other bank regulators have re-proposed a rule on incentive compensation for financial institutions with assets of at least $1 billion. This rule, which stems from the Dodd-Frank legislation passed 14 years ago, aims to set standards for bank incentive compensation programs. Is the third time a charm?

A breach is an organization’s worst nightmare, but should the worst come to pass, it’s not the end of the world. In fact, it’s time to respond. While your cybersecurity team is working to patch things up, the leadership team needs to stay informed. As a key part of your organization, what do you need to pay attention to during this time? What can you do to help prepare before a breach, and what can you do to help during or after one? Wolf & Company’s experts explain what you need to know about breaches, and how they can best be of service during or following an incident.

The regulatory examination environment is getting much tougher. Many community banks across the country are experiencing examinations that present unexpected circumstances and adverse findings. Prepare your community bank for its next examination by discussing the current regulatory examination environment, identifying the current regulatory hot buttons and examination issues that are causing community banks problems and providing recommended strategies to resolve identified problems during and after the examination.

The New Year will present every community bank with the opportunity to consider new strategies to maximize profitability, utilize capital efficiently, navigate compliance concerns, maintain safety and soundness, and enhance shareholder value.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). While ICBA and other trade associations have filed a complaint and request for preliminary injunction on the Final rules, it is still important to be prepared. 

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

During this 60-minute webinar, examine the current regulatory priorities in safety and soundness. The speaker will describe how to mitigate risk associated with those priorities and stay ahead of regulatory hot buttons in exams and in transactions.

Gain an overview of the bank regulatory and supervisory highlights from 2023 and some predictions on what might be in store for 2024. The discussion will cover the regulators' identified top 10 priorities for 2024, as outlined in their annual risk guidance. These priorities encompass supervision, compliance, governance, and risk management.

Further details will be available 30 days prior to the webinar date.

The environment for community financial institutions has changed drastically over the last five years due to shifts in interest rates, emerging technologies, evolving consumer preferences, and recent bank failures.

The aftermath of the Pandemic, coupled with new technologies, shifting consumer preferences, market changes, and recent bank failures, has reshaped the industry significantly. The financial industry faces various forces, challenges, and new competitors, all amidst prevailing uncertainty.

The aftermath of the pandemic, new and emerging technologies, evolving consumer preferences and other market shifts highlight the need for community banks to develop a strategic plan that is fluid.

Strategic planning in banking is constantly evolving in today’s economic and regulatory landscape. Discover key elements of strategic planning in an environment where the only thing certain is change – from political elections and global events, the domestic economy, and regulatory scrutiny, among others. Discussion will include key topics to address in every strategic plan, as well as topics unique to your institution, ranging from safety and soundness considerations like capital to succession planning.

Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill the vision described in their strategic plan. But how do you achieve all — attracting and retaining talent while achieving your objectives and fulfilling your vision?

Companies across all industries are striving to attract and retain top talent while achieving their strategic goals. To succeed, leaders must prioritize succession planning and integrate it into their organization’s talent management program and strategic plan. 

Over the last decade, one of the most significant challenges facing community banks has been attracting and retaining new directors and banking talent.

During the 2023-2024 Term, the Supreme Court issued several landmark decisions with significant implications for federal agencies. Examine an in-depth analysis of three pivotal cases—Loper Bright, Jarkesy, and Corner Post—and determine their potential impact on the banking sector.

The government's response to the pandemic initially led to significant asset growth in the banking industry but was subsequently followed by elevated inflation and a sharp rise in interest rates. Funding cost pressures and deposit mix changes, along with credit trends in both consumer and commercial loans reflect increasing uncertainty. Explore potential outcomes and the implications if these trends continue or intensify.  

The Federal Reserve has embarked on the most aggressive efforts to fight inflation since the early 1980s. After more than a decade of expansionary monetary (and fiscal) policy, banks have been whipsawed. In effect, the Federal Reserve has sprung a liquidity trap.

While the basics of unclaimed property reporting are consistent for all holders, financial institutions can face particularly complex questions and issues around unclaimed property. From determining the proper state for escheatment, to deciphering dormancy rules around complicated property types like IRAs, financial institutions must take care to understand the scope of their unclaimed property reporting requirements to stay compliant.

Financial institutions may be overlooking key obligations under Executive Order 11246, Vietnam Era Veterans Assistance Act (VEVRAA), and Section 503 of the Rehabilitation Act. These regulations require employers to collect and analyze specific data, prepare annual affirmative action plans, and conduct pay equity analyses. This session will identify key compliance areas and discuss best practices for achieving and maintaining compliance.

The banking industry is facing continued deposit pressure after recent Federal Reserve rate hikes. The outflow of low-cost deposits and changes in deposit mix have hurt margins and raised concerns about interest rate risk (IRR).