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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.

Depository Issues

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Depository
A current proposal by Congress threatens to upend the supervision of community banks, increasing costs of doing business and harming the dual-banking system.
Nov 6, 2017
Depository

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

Oct 30, 2017

Non Depository Issues

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Non Depository
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.
Jan 11, 2018
Non Depository
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.
Nov 16, 2017

Fintech

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Fintech
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.
Jan 7, 2018
Fintech
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.
Oct 30, 2017

Policy Documents

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Policy Documents
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.
Apr 10, 2018
Policy Documents
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.
Apr 10, 2018