Washington, D.C. – The Office of the Comptroller of the Currency’s (OCC’s) proposals to preempt state interest-on-escrow laws exceed its authority, ignore legal precedent, and would benefit national banks at the expense of homeowners, the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) said in a joint comment letter today, asking for the

Washington, D.C. – Community bankers ended 2025 with a high sentiment on future conditions, according to the 2025 fourth quarter results of the Community Bank Sentiment Index (CBSI) released today by the Conference of State Bank Supervisors (CSBS). Although the CBSI slipped one point to 132 from last quarter’s record high of 133, it remains well above the neutral level

Washington, D.C. – Efforts by the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency to define “unsafe or unsound practices” should promote a balanced and resilient federal supervisory framework, the Conference of State Bank Supervisors said in a comment letter today. “Any final rule must enable the prompt identification and remediation of core risks to a bank’s financial

Washington, D.C. – Statement from CSBS President and CEO Brandon Milhorn on the OCC’s action today to issue conditional approvals to establish five new uninsured national trust firms: “Based on the OCC’s conditional approvals, it appears these uninsured national trusts will primarily engage in fiduciary activities related to digital assets, and certain related custodial activities. The states will continue to

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Specialty Certification Certified Application Specialist: Money Services Business Licensing (CAS-MSB) Objectives of the Certified Application Specialist – MSB Program: To achieve recognition of the knowledge, skills, and abilities required to support the review and administration of Money Services Business licensing applications. To promote consistent, accurate, and professional MSB licensing practices across state agencies. To enhance and maintain the quality of

About the Examiner Certification Program (ECP) Eligibility Participation in the Examiner Certification Program (ECP) is open to all state agency regulators who meet the education and experience qualifications for a credential, and is strictly voluntary. Refer to the Participant Handbook below for details of all ECP processes, procedures, and governance. To Apply Applying for certification is a simple and secure

Mortgage companies in NMLS are linked to the mortgage loan originators (MLOs) they employ through a designation in the system referred to as a “relationship and/or sponsorship.” As part of upcoming changes to NMLS, it will become easier for mortgage companies to navigate the “relationship and/or sponsorship” section of the system. In preparation for upcoming NMLS changes for how company

Specialty Certification Certified Application Specialist (Mortgage) The Certified Application Specialist (CAS) certifications recognize state regulatory professionals who have demonstrated advanced knowledge, practical experience, and job performance in mortgage licensing operations using the Nationwide Multistate Licensing System (NMLS). Each certification represents a progression in responsibility and expertise—ranging from foundational application review to complex account administration and staff oversight. CAS-I: MLO Licensing