Policy

CSBS Policy

State regulators, due to their local knowledge and expertise, have unique perspectives on state and federal policy. CSBS regularly highlights and advocates the perspectives of state regulators to Congress, federal regulators, and the financial services industry.

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Depository Issues

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Depository
Bank Exam Fees are a Tax on Banks and Their Local Communities
A current proposal by Congress threatens to upend the supervision of community banks, increasing costs of doing business and harming the dual-banking system.
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Nov 6, 2017
Depository
State Representation in Federal Agencies

Because of their local knowledge and expertise, federal law mandates that state regulators are represented at the highest levels in federal banking agencies.

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Oct 30, 2017

Non Depository Issues

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Non Depository
Money Services Businesses: A State Regulated Industry Integral to Everyday Life
Everybody uses the money services business (MSB) industry, but few people know the terminology. MSBs are a broad category of financial services we all use in everyday life, just not at the bank.
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Jan 11, 2018
Non Depository
The State of State Money Service Businesses Regulation and Supervision
The purpose of this paper is to outline the state system of supervision of MSBs in order to make clear the existence, structure and degree of an established regulatory system for MSBs.
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Nov 16, 2017

Fintech

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Fintech
State Innovation Contacts List
All 50 U.S. states and D.C. have an innovation contact to answer questions about supervision and licensing of fintech firms. You can see those contacts here.
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May 22, 2018
Fintech
Vision 2020 for Fintech and Non-Bank Regulation
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.
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Jan 7, 2018

Policy Documents

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Policy Documents
Comment Letter on Information Regarding CFPB Rulemaking Processes
State regulators acknowledge the CFPB’s willingness to review and seek public input on the Bureau’s Rulemaking Processes. State regulators, through CSBS, have engaged with the Bureau through the public comment process on many of the Bureau’s…
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Jun 7, 2018
Policy Documents
Comment Letter - Request for Information Regarding Bureau Public Reporting Practices of…
CSBS asks that the Bureau consider the state perspective on confidentiality when it comes to posting consumer complaints.
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Jun 4, 2018