State regulators support the Federal Reserve Board of Governors’ efforts to improve the discount window’s accessibility and reduce its stigma so that it can serve as an effective and efficient source of liquidity, CSBS said in a comment letter today in response to a request for information. The discount window is a critical source of liquidity for the banking system
In this episode, host Kyle Thomas moderates a panel featuring Leslie Andersen of i3 Bank, Ilaria Rawlins of Fortuna Bank, David Coxon of Georgia Banking Company, and Randall Guynn of the Federal Reserve Board. Together, they share perspectives from across the banking landscape on what it takes to buy, sell, create, or redefine in today’s market. The conversation explores how
Uncertainty in the economy, deposit insurance reform, and the future of community banking are top of mind for policymakers. In this episode, CSBS Chief Economist Tom Siems and Vice President of Policy Nathan Ross join host Kyle Thomas to unpack findings from the 2025 CSBS Annual Survey of Community Banks. They discuss how net interest margins and core deposit growth
Department Accreditation Setting the Standard: What is Accreditation? The CSBS Accreditation Program is a nationally recognized credential that creates a framework for consistent, high-quality financial supervision across the United States. State agencies can earn accreditation for bank, mortgage, and money services businesses supervision. State agencies earn a five-year accreditation by undergoing a self-assessment and an independent review conducted by a
Washington, D.C. – Statement by Conference of State Bank Supervisors (CSBS) President and CEO Brandon Milhorn on the CFPB’s announcement regarding its Public Orders Registry: “State regulators applaud the CFPB for its decision to limit enforcement and supervision relative to its Public Orders Registry. A significant number of covered public enforcement actions are already reported through the Nationwide Multistate Licensing
Statement by CSBS President and CEO Brandon Milhorn on recently introduced legislation to reform or repeal the Consumer Finance Protection Bureau’s small business loan data collection requirements established under Section 1071 of the Dodd-Frank Act. “The CFPB final rule implementing section 1071 missed the mark. By going well beyond the data elements required by the law, the rule imposed unnecessary
“State supervisors commend the CFPB for rescinding its Nonbank Public Orders Registry. Requiring nonbank entities to register and report a wide range of agency and court orders was redundant and exceeded the agency’s authority. States and the CFPB already report a significant share of covered public orders through the Nationwide Multistate Licensing System & Registry (NMLS). This information is available
By CSBS Chief Economist Thomas F. Siems and CSBS Vice President for Policy Nathan Ross For years, community bankers have warned that the growing thicket of federal regulations is suffocating smaller institutions. The compounding effect of these rules lands hardest on the banks least able to absorb them. The refrain has become familiar: small community banks don’t have armies of
The Community Bank Case Study Competition, facilitated by the Conference of State Bank Supervisors (CSBS), is a nationwide academic competition for undergraduate students.
