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
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
Fintech
CSBS Fintech Industry Advisory Panel
The CSBS Fintech Industry Advisory Panel (“Advisory Panel”) is designed to support state regulators’ increased efforts to engage with financial services companies involved in fintech.
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Oct 30, 2017

Policy Documents

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Policy Documents
Letter to Treasury on Non-Bank and Innovation Report
Maintaining the primary role of the state regulatory system is critical to ensuring the continued protection of consumers and maintaining the strength and competitiveness of the non-bank financial services industry.
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Apr 10, 2018
Policy Documents
State Regulators Support Limited Appraiser Waivers
Despite the rarity of waiver applications, state regulators believe that limited availability of qualified appraisers in numerous markets is impacting the ability of many banks to fulfill the credit needs of the communities they serve.
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Apr 10, 2018