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2016 Press Releases
Idaho Department of Finance Earns Banking Supervision Re-accreditation
California and Missouri Begin Using Uniform Mortgage Test; 50 State Agencies Now Using the Test
North Dakota Department of Financial Institutions Receives Certificate of Mortgage Accreditation
CSBS Names Jim Kurtzke Vice President of Communications
CSBS Announces 2016 Community Bank Case Study Competition Participants
SRR Releases 2015 Annual Report
Colorado Begins Using Uniform Mortgage Test; 51 State Agencies Now Using the Test
Gonzales Appointed to FFIEC State Liaison Committee
Scott Corscadden Named New NMLS Ombudsman
FFIEC Seeks Comments on Proposed Revisions
Financial Regulators Release New Appendix for Retail Payment Systems Booklet
Face Appointed to FFIEC State Liaison Committee
Lawson Elected as State Liaison Committee Chairman
Multi-State Non-Bank Supervision Groups Release Annual Reports
CSBS Releases 2015 Annual Report
12 Student Teams Named Finalists in 2016 Community Bank Case Study Competition
CSBS and MTRA Issue White Paper on State Supervision of MSBs
CSBS Announces New Leadership
Texas Department of Savings and Mortgage Lending Receives Mortgage Reaccreditation
CSBS Announces Winners of the 2016 Community Bank Case Study Competition
CSBS Chairman Challenges State and Federal Regulators to Work Together
Illinois Begins Using Uniform Mortgage Test; 52 State Agencies Now Using the Test
West Virginia Department of Financial Institutions Receives Banking Reaccreditation
FFIEC Issues Statement on Safeguarding the Cybersecurity of Interbank Messaging and Payment Networks
Statement on the Financial CHOICE Act
Statement on Introduction of the Bank Service Company Examination Coordination Act
New Call Report to Streamline Supervision of Money Services Businesses
Fed/CSBS 2016 Community Banking Research Conference to Be Held Sept. 28-29
FFIEC Invites Public Comment on Streamlined "Call Report" for Smaller Institutions
Fed/CSBS Announce Papers Selected for the 2016 Community Banking Research Conference
Financial Regulators Release Revised Information Security Booklet
White Paper Discusses Opportunities for Community Banks to Collaborate
NMLS Launches New Capabilities to Streamline State Licensing Processes
North Carolina Commissioner Ray Grace Appointed
CSBS Releases Second Quarter NMLS
Federal Financial Institutions Examination Council Announces Availability of 2015 Data on Mortgage Lending
Federal Reserve and CSBS Release Findings from 2016 National Survey of Community Banks
Washington Department of Financial Institutions Earns Bank, Mortgage Accreditation
CSBS-Federal Reserve Research Conference Describes the Value and Business Prospects of Community Banks
FFIEC Announces Webinars in Observance of Cybersecurity Awareness Month
Maryland Office of the Commissioner of Financial Regulation Receives Accreditation of Mortgage Supervision Program
CSBS Names Tom Bayer Executive Vice President and Chief Information Officer
FFIEC Issues Frequently Asked Questions Guide on the Cybersecurity Assessment Tool
Third Annual “Your License is Your Business Campaign” Launches Today
CSBS Releases Map of State Requirements for Opening Bank Accounts for Minors
FFIEC Issues Uniform Interagency Consumer Compliance Rating System
State Regulators Oppose OCC Fintech Charter
State Regulatory Group Announces New Cyber Certification Program for Bank Examiners
Statement by the Conference of State Bank Supervisors on Comptroller’s Announcement of New Federal Charters
2017 NMLS Renewal Campaign “Your License is Your Business” Off to Strong Start
FFIEC Streamlines “Call Report” for Small Institutions
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 Federal Reserve and CSBS Release Findings from 2016 National Survey of Community Banks   

ST. LOUIS ― The Federal Reserve System and the Conference of State Bank Supervisors (CSBS) today released the findings from a national survey of community bankers which were presented at the fourth annual Community Banking in the 21st Century Research and Policy Conference, co-hosted by the Fed and CSBS at the Federal Reserve Bank of St. Louis on Sept. 28-29, 2016.

The survey findings, which can be viewed via the conference website at, provides a comprehensive view of what bankers are thinking about the key issues facing their industry. Responses were obtained from 557 banks, almost all of which had less than $10 billion in assets, a level that often is used to categorize “community” banks. Embedded in thousands of local communities, these smaller institutions are crucial to the economic success of households and businesses across the country.

Highlights from the survey indicate:

  • a continuing emphasis on small business lending, the lifeblood of community banks, which increased modestly in 2015 after several years of lackluster activity;
  • an active merger and acquisition market;
  • continuing concern with regulatory burden, which was cited as the number one reason for planned exits of banks from currently offered activities;
  • frustration with Real Estate Settlement Procedures Act (RESPA) , the Truth in Lending Act (TILA) and the TILA-RESPA Integrated Disclosure rule, which, collectively,  accounted for 23 percent of all compliance expenses; and
  • more anticipated competition in the future from non-depository entities for many products and services traditionally provided by community banks.

The survey is augmented by excerpts of interviews conducted by state banking commissioners with community bankers in 29 states.  Each commissioner asked five bankers detailed questions with respect to five key areas of interest involving  economic trends, regulatory burden, examination processes, competition in small business lending and personnel issues.  These “Five Questions for Five Banks” interviews offer unique insights that, in combination with the survey itself, can be used to better understand and further the development of the community banking industry.

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