Bank Compliance Center

In today’s banking environment as soon as one big new regulation is implemented another pops up. ICBA’s compliance training opportunities and exceptional resources, online and offline, will help your community bank stay informed and one step ahead of the regulators.

Recent Compliance News



Mar 27, 2025 | NewsWatch Today
HUD revises residency requirements for FHA loans

The Federal Housing Administration published revisions to residency requirements that will eliminate the “Non-permanent Residents” category in both the Single Family Title I and Title II programs.

Mar 27, 2025 | NewsWatch Today
Treasury publishes final rule removing BOI reporting requirements for U.S. companies

The Treasury Department announced the formal publication of the Financial Crimes Enforcement Network interim final rule that removes the requirement for U.S. companies and U.S. persons to report beneficial ownership information to FinCEN under the Corporate Transparency Act.

Mar 27, 2025 | NewsWatch Today
CFPB withdraws court filing claiming Reg E applies to wire transactions

The Consumer Financial Protection Bureau withdrew a court filing in which it previously argued that online-initiated wire transfers are subject to the Electronic Fund Transfer Act and Regulation E.

Mar 25, 2025 | NewsWatch Today
FinCEN publishes FAQs on border Geographic Targeting Order

The Financial Crimes Enforcement Network published responses to frequently asked questions about its March 11 Geographic Targeting Order to combat the illicit activities and money laundering of Mexico-based cartels and other criminal actors along the southwest border of the United States.

Upcoming Compliance Training
Apr 15, 2025 | Institute - Livestream

BSA/AML Institute


Jun 3, 2025 | Institute - Livestream

Compliance Institute


Jun 24, 2025 | Webinar

Puzzle of Check Compliance


Compliance Question of the Week

Question: If the bank has hired a company to perform fraud protection and the company also markets to customers about the fraud protection services available, does the bank need to provide an opt out to customers?

ANSWER: 

Regulation P provides an exception under section 13 for providing disclosure. The opt out notice requirements of 1016.6 and 1016.10 do not apply when nonpublic personal information is provided to a nonaffiliated third party to perform services on the bank’s behalf, if the bank:

  • Provides the initial notice
  • Enter into a contractual agreement with the third party that prohibits the third party from disclosing or using the information other than to carry out the purposes for which you disclosed the information, including use under an exception in 1016.14 or 1016.15 in the ordinary course of business to carry out those purposes.
When determining whether the notice requirements apply, be sure to review the examples included in these sections.

Reference: Regulation P: 12 CFR 1016.13(a) and (b) See also: 1016.14 and 1016.15

Compliance Vault



The ICBA Compliance Vault is now available as a member benefit to all ICBA members.

The Compliance Vault is a reliable search tool that helps you find answers to your regulatory compliance questions, with access to over 2,500 Q&As, select online courses, and documents.

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Compliance Resources



Earn your Community Bank Compliance Officer Certification at the ICBA Compliance Institute

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To earn the Certified Community Bank Compliance Officer (CCBCO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam(s).

The ICBA Compliance Institute is built to meet the needs of seasoned professionals seeking the latest regulatory education and industry best practices as well as newer compliance officers seeking to gain a clear understanding of the fundamental concepts of each regulation.

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