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Title | Recipient | Date |
|---|---|---|
| ICBA Letter on April 2 House Financial Services Committee Markup | House Financial Services Committee | 04/01/25 |
| Statement for the Record of Digital Assets Hearing | 02/26/25 | |
| Statement for Digital Assets Hearing | 02/11/25 | |
| Joint Trades Opposition Letter to 10 Percent Credit Card Interest Rate Cap Act | 02/05/25 | |
| Joint Letter Supporting Senate Secure Payments Act of 2024 | Sen. Ted Budd | 06/19/24 |
| ICBA Letter Supporting HR 5403 | U.S. House of Representatives | 05/21/24 |
| Joint Trades Letter Opposing Credit Card Price Control Bill | Sen. Josh Hawley | 09/20/23 |
| Letter on CBDC Bills Ahead of House Markup | House Financial Services Committee | 09/19/23 |
| ICBA Letter on House Stablecoin Legislation Ahead of Markup | House Financial Services Committee | 07/19/23 |
| Joint Financial Sector Letter Opposing Credit Card Routing Bill | House, Senate Leaders | 07/14/23 |
Title | Recipient | Date |
|---|---|---|
| Letter to Nacha on ACH Proposals | 12/16/24 | |
| Letter urging CFPB to clarify Regulation Z interpretive rule on Buy Now, Pay Later Loans | Consumer Financial Protection Bureau | 08/01/24 |
| Request for 90-Day Comment Extension on Expanding Fedwire | 06/11/24 | |
| ICBA Comments on Reg II Debit Card Interchange Proposal | Federal Reserve | 05/11/24 |
| Comments on Basel Cryptoasset Standard Amendments | Basel Committee on Banking Supervision | 03/28/24 |
| Freedom of Information Act Request on CBDC Authority | Federal Reserve, Justice Department, Treasury Department | 03/22/24 |
| Joint Trade Statement on ISO 20022 Standards | BIS Committee on Payments and Market Infrastructures | 02/28/24 |
| Disclosure of Cryptoasset Exposures | Letter to Regulators | 01/30/24 |
| ICBA Comment Letter for FinCEN Cryptocurrency Mixer Proposal | FinCEN | 01/23/24 |
| Joint Extension Request on Fed Debit Card Interchange Price Cap | Federal Reserve | 11/27/23 |
Title | Committee | Presenter | Date |
|---|---|---|---|
| ICBA Statement for STABLE Act Markup | House Financial Services Committee | Written Statement | 04/01/25 |
| Community Bank Statement for GENIUS Act Markup | Senate Banking Committee | Written Statement | 03/12/25 |
| Statement for House Hearing on Central Bank Digital Currency Risks | House Subcommittee on Digital Assets, Financial Technology and Inclusion | Written Statement | 09/13/23 |
| Effective Regulation of Crypto Assets | Senate Banking Committee | Written Statement | 02/13/23 |
| Statement for Senate Crypto Hearing | Senate Banking Committee | Written Statement | 07/28/22 |
| Hearing Statement on Central Bank Digital Currency | House Financial Services Committee | Written statement | 05/25/22 |
| Enhanced Regulation of Digital Assets Will Promote Responsible Innovation | Senate Banking Hearing | 02/15/22 | |
| Statement for House Hearing on Stablecoins | House Financial Services Committee | Written statement | 02/08/22 |
| Statement for Senate Stablecoin Hearing | Senate Banking Committee | Written Statement | 12/14/21 |
| Statement for House Hearing on Digital Assets | House Financial Services Committee | Written statement | 12/07/21 |
| ICBA Statement for HFSC Fintech Hearing 9-29-2020 | HSFC | 09/29/20 |
Feb. 12, 2025
ICBA told Congress that current stablecoin arrangements are not subject to comprehensive supervision and lack many critical consumer and anti-money laundering protections—a regulatory gap that allows risks to the financial system to multiply, provides opportunities for financial crimes, and creates an unequal playing field with highly regulated community banks.
Details: In a statement for the record for a House Financial Services Subcommittee on Digital Assets, Financial Technology, and Artificial Intelligence hearing on the path forward, ICBA said community banks have a strong interest in ensuring stablecoins issued by nonbank entities do not harm investors, consumers, or the financial system.
More: ICBA said it will evaluate any stablecoin regulatory framework against four principles:
The potential for regulatory arbitrage.
Preserving the integrity of Federal Reserve Master Accounts.
Risks posed by commercial and “Big Tech” private currencies.
Community bank disintermediation.
Advocacy: ICBA recently encouraged the Trump administration to ensure regulatory clarity for banks and a level regulatory playing field between the banking and crypto sectors. ICBA will continue to engage with policymakers on digital assets issues as regulatory frameworks are discussed.