The Independent Community Bankers of America (ICBA) is a domestic trade organization that represents about 5,700 small to mid-size community banks. The ICBA provides various benefits to its members, such as conferences and publications, as well as a voice on Capitol Hill. The ICBA represents members holding more than $4.4 trillion in deposits, $5 trillion in assets, and $3.4 trillion in consumer, small business, and agricultural loans.

The Independent Community Bankers of America (ICBA) is a membership-based financial organization dedicated exclusively to representing the interests of the community banking industry and its employees.
The ICBA supports the community banking industry through effective advocacy, best-in-class education, and high-quality products and services.
The ICBA offers its members national representation, professional development, innovative products and services, and exclusive tools and information.

The Independent Community Bankers of America (ICBA) is headquartered in Washington, D.C., and has a chapter in each state. It supports fair competition for financial institutions and the separation of banking and commerce.

The ICBA offers its members national representation, professional development, innovative products and services, and exclusive tools and information. That includes free daily email news bulletins and a discounted subscription to The Independent Banker, a monthly magazine for community bankers published by the ICBA.

Community banks employ more than 760,000 people nationwide and compose 99% of American banks. Together, they make more than 60% of all the nation’s small business loans, and more than 80% of all agricultural loans.

The ICBA and community bankers seek to advance a more efficient system of banking regulation, unbiased laws governing the financial sector, a safer and more secure business environment, and more effective agriculture policies to extend the nation’s economic growth to every corner of the country.

In its latest brief, entitled Community Focus 2020, the ICBA includes policy prescriptions on the following issue areas:

Regulatory Relief
More Competitive Landscape
Bank Secrecy Act/Anti-Money Laundering
Data Security, Fraud, and Privacy
Preserving Mortgage Lending
Tax Relief
Industry Concentration and Systemic Risk
Agriculture and Rural America
Community Bank Innovation
Payments
Cybersecurity

During financial industry reform efforts in the wake of the 2008 financial crisis, the ICBA lobbied Congress to protect the smaller banks. Its primary goals were to prevent credit unions from gaining a competitive advantage over community banks and maintaining a regulatory loophole that would allow smaller banks to retain a choice of regulator.

The ICBA strongly supported H.R. 3329, a bill introduced to the 113th Congress that would require the Federal Reserve (Fed) to revise regulations applicable to small bank holding companies (BHCs). The bill lobbied for BHCs with up to $1 billion in assets to incur more debt than larger institutions in order to acquire more banks–a privilege restricted to small BHCs with fewer than $500 million in assets.


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