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| 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 |
|---|---|---|---|
| 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. 27, 2025
ICBA told Congress that any legislation establishing a regulatory framework for stablecoins must address stablecoin risks without disintermediating community banks.
Details: In a statement for the record for a Senate Banking Committee Digital Assets Subcommittee hearing, ICBA said any stablecoin regulatory framework must:
Apply consistent standards to both banks and nonbanks to prevent regulatory arbitrage.
Preserve the integrity of Federal Reserve Master Accounts.
Protect against risks posed by commercial and Big Tech issuance.
Maintain community banks’ ability to utilize deposits to fund local lending.
ICBA 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 also submitted a statement for a recent House Financial Services subcommittee hearing on digital assets.
Outlook: ICBA will continue to engage with policymakers on digital assets issues as regulatory frameworks are considered.