Mortgage Certification Certified Senior Mortgage Examiner (CSME) CSME is step 2 in the CSBS mortgage credentialing program; CME is step 1 and CMEM is step 3 Objectives of the CSME Certification Program To recognize the advanced skill level required for the examination and investigation of large, complex, and multistate mortgage providers and their compliance with state and federal laws and
Washington, D.C. – The Conference of State Bank Supervisors (CSBS) today announced Jim Payne, director of examinations and assistant deputy commissioner for the Consumer and Mortgage Lending Division of the Kansas Office of the State Bank Commissioner, will continue his service as the NMLS Ombudsman for a third term, starting July 1. The NMLS Ombudsman provides state regulators and industry
Washington, D.C. – Regulatory burden has risen to the top of community banker concerns, according to the 2024 Conference of State Bank Supervisors (CSBS) Annual Community Bank Survey, released today. Cost of funds, a chief concern last year, tied as a top external risk for surveyed bankers. This is the eleventh year CSBS has conducted the survey, which captures the
CSBS requests the CFPB extend the deadline for comment on its Notice of Proposed Rulemaking to allow for more thorough consideration of potential implications for consumers, industry, and the mortgage market.
Statement from John W. Ryan, CSBS president and CEO, on striking down the OCC true lender rule: "State regulators support the CRA challenge to the OCC’s true lender rule, which if it stands, will eviscerate the power of state interest rate caps and deny state regulators their most effective tool to protect consumers from such predatory lending. We encourage members
Washington, D.C. – Community bankers are feeling slightly better about the health of their local economies but still far short of their pre-pandemic level of confidence, the most recent Community Bank Sentiment Index (CBSI) reveals. The Conference of State Bank Supervisors publicly released the third quarter results today, collecting data from 334 community banks across the nation during the month
Washington, D.C. – Community bankers report net interest margins have overtaken regulatory burden as their top external risk in the 2025 CSBS Annual Survey of Community Banks. Now in its twelfth year, the annual survey gauges internal and external risks, competition, safety and soundness, and deposit insurance policy. This year, community bankers expressed that their internal concerns remain steady, while
Washington, D.C. – In testimony today before the House Financial Services Committee, Arkansas Bank Commissioner Susannah Marshall warned that without collective action from Congress and the federal banking agencies, the nation will continue to lose community banks, threatening banking access for millions of Americans – especially those in rural and small-town communities. Marshall has served as Commissioner of the Arkansas
Download the Full Comment Letter [PDF] U.S. Department of the Treasury ATTN: Office of General Counsel 1500 Pennsylvania Avenue NW Washington, DC 20220 Docket no. TREAS-DO-2025-0037 RIN 1505-ZA10 Re: GENIUS Act Implementation The Conference of State Bank Supervisors (“CSBS”) [1] provides the following comments regarding the U.S. Department of the Treasury (“Treasury”) advance notice of proposed rulemaking (“ANPRM”) on the
Just after midnight on Aug. 8, 2023, a brush fire began in central Maui. Within 24 hours, the fire had burned approximately 1,000 acres of land, destroying the town of Lahaina and displacing hundreds of families from their homes, jobs, and livelihoods. “The unique feature of this particular disaster was how many buildings were completely lost,” said Assistant Secretary for