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A New Challenge for Community Banks

A newly-proposed Community Bank Leverage Ratio may actually provide more burden than relief.

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Small Business

What is the Conference of State
Bank Supervisors?


The Conference of State Bank Supervisors is the nationwide organization of financial regulators from all 50 U.S. states, the District of Columbia, Guam, Puerto Rico, American Samoa, and the U.S. Virgin Islands.

For more than a century, CSBS has given state supervisors a national forum to coordinate supervision and develop policy. CSBS also represents its members before federal policymakers and regulators, provides training, and manages the Nationwide Multistate Licensing System.


Digital Media
Vision 2020 is a state regulator initiative to modernize the regulation of fintech companies and other non-depositories. The goal: an integrated, 50-state system of licensing and supervision.
Jan 8, 2018
Vision 2020 contains several CSBS and state initiatives to modernize nonbank regulation. What has been done to date, and what should you expect next?
Aug 2, 2018
The CSBS Fintech Industry Advisory Panel (“Advisory Panel”) is designed to support state regulators’ increased efforts to engage with financial services companies involved in fintech.
Feb 14, 2019
Press Room
The Conference of State Bank Supervisors (CSBS) released a series of action items to implement feedback received from the 33 companies on the CSBS Fintech Industry Advisory Panel.
Feb 14, 2019
Apr 1 - Apr 4
Washington, District of Columbia
Apr 16 - Apr 17
Gulf Shores, Alabama
Apr 23 - Apr 25
Washington, District of Columbia
Apr 30 - May 1
Baltimore, Maryland

Recent Updates

Press Room
Federal and state agencies issue statement on supervisory practices regarding financial institutions affected by flooding in the midwest
Mar 25, 2019
A new podcast on the Community Bank Leverage Ratio. Community Banks prepare for CECL in advance. And more media coverage.
Mar 22, 2019
Today, we interview Mike Townsley, CSBS Policy Counsel, to discuss what a leverage ratio is and why a proposed leverage ratio for community banks still needs some work.
Mar 22, 2019
Press Room
Examination Identified Cheating on Testing and Continuing Education Requirements
Apr 13, 2015
Every year, CSBS conducts a nationwide survey of community banks. This survey represents valuable insight on the views and concerns of community bankers today. In 2018, 521 bankers in 37 states responded.
Mar 8, 2019
We explore ways states work together to handle the behemoth task of supervising America’s diverse financial system, how those same regulators try to engage with the regulated in a balanced, fair way and how those changes can lead to something bigger.
Feb 26, 2019