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Preferred
Service
Providers!
CBA's PAC/PR Funds
Advocacy Update
Preferred Service Providers
Events Calendar
HR & Talent Development League
Conventions
Webinars
Compliance Professional Package
Banker Regulatory Forums
Community Bank Leadership Academy
Check Out Our
Preferred
Service
Providers!
Rebeca Romero RaineyPresident and CEO, ICBA
The most recent issue of Independent Banker features an article from Rebecca Romero Rainey, President & CEO, ICBA, on regulation and compliance, which continue to be costly and important topics for the community banking industry.
A 2020 U.S. Government Accountability Office report concluded that a “very small” community bank could spend up to 2.4% of operating expenses on Bank Secrecy Act (BSA) work alone. And costs are rising, with more than half of compliance officers expecting to make an increase in their budgets.
This doesn’t seem to match up with what makes community banking different. Being relationship bankers, we pride ourselves and our industry on going the extra mile—or miles, as proven by your heroic efforts during the Paycheck Protection Program—to serve our customers and communities.
Now we’re facing a wave of potential new regulations. A Thomson Reuters survey indicated 78% of bankers expect an additional barrage of regulatory information to hit the scene in the next year. This would mean more staff time would be absorbed into analyzing, assessing and implementing new guidance. We, as community bankers, must speak up on behalf of a regulatory framework that is reasonable, facilitates strong commerce, and allows for flexibility for community banks and their customers. Click here for entire article.
A 2020 U.S. Government Accountability Office report concluded that a “very small” community bank could spend up to 2.4% of operating expenses on Bank Secrecy Act (BSA) work alone. And costs are rising, with more than half of compliance officers expecting to make an increase in their budgets.
This doesn’t seem to match up with what makes community banking different. Being relationship bankers, we pride ourselves and our industry on going the extra mile—or miles, as proven by your heroic efforts during the Paycheck Protection Program—to serve our customers and communities.
Now we’re facing a wave of potential new regulations. A Thomson Reuters survey indicated 78% of bankers expect an additional barrage of regulatory information to hit the scene in the next year. This would mean more staff time would be absorbed into analyzing, assessing and implementing new guidance. We, as community bankers, must speak up on behalf of a regulatory framework that is reasonable, facilitates strong commerce, and allows for flexibility for community banks and their customers. Click here for entire article.
October 7, 2021 | The Barn, Albany
The Day at the Dome is coming to you! CBA is proud to present Town Hall Talks, a grassroots alternative to the Day at The Dome. We are bringing your legislators to you!
We are proud to be partnering with The National Federation of Independent Business to host the first ever Town Hall Talks. This event provides community bankers the opportunity to engage their legislators in a Q&A session and hear perspectives on legislative issues that may impact your community bank. The Town Hall Talks features a locally catered lunch. In addition to the networking opportunity with legislators, you will hear from your CBA Team regarding association updates and insights on the upcoming legislative session. We encourage you to invite your small business clients to attend these events with you! Last day to register – September 23, 2021. Register here.
The Day at the Dome is coming to you! CBA is proud to present Town Hall Talks, a grassroots alternative to the Day at The Dome. We are bringing your legislators to you!
We are proud to be partnering with The National Federation of Independent Business to host the first ever Town Hall Talks. This event provides community bankers the opportunity to engage their legislators in a Q&A session and hear perspectives on legislative issues that may impact your community bank. The Town Hall Talks features a locally catered lunch. In addition to the networking opportunity with legislators, you will hear from your CBA Team regarding association updates and insights on the upcoming legislative session. We encourage you to invite your small business clients to attend these events with you! Last day to register – September 23, 2021. Register here.
Push Back Against IRS Mandate Continues
Policymakers in Washington have proposed requiring banks to report virtually all their customers’ bank account information and activity to the IRS regardless of the customers’ consent.
While community banks do not endorse such broad IRS access to their customers’ account information, consumers need to be aware of the potential effects of this proposal.
Mandating new, broad bank account reporting to the IRS would infringe on the privacy of bank customers, push more people away from a banking relationship, and overload the IRS with more personal information about American citizens than it can possibly process or keep safe from a data hack.
To be heard in Washington before this bank IRS reporting regime is enacted, consider sending a message to your members of Congress.
Policymakers in Washington have proposed requiring banks to report virtually all their customers’ bank account information and activity to the IRS regardless of the customers’ consent.
While community banks do not endorse such broad IRS access to their customers’ account information, consumers need to be aware of the potential effects of this proposal.
Mandating new, broad bank account reporting to the IRS would infringe on the privacy of bank customers, push more people away from a banking relationship, and overload the IRS with more personal information about American citizens than it can possibly process or keep safe from a data hack.
To be heard in Washington before this bank IRS reporting regime is enacted, consider sending a message to your members of Congress.
- Click Here for the IRS reporting mandate consumer alert page
- Click Here to access the customizable communications resource
- Click Here to access an additional customizable message
October 25, 2021 | The Buckhead Club, Atlanta | 4:00 a.m. – 7:00 p.m.
Enjoy wine, bourbon, and hors d'oeuvres while supporting CBA's PAC/PR Fund. Governor Brian Kemp will be attending this event. CBA has secured a Group Rate for those who wish to stay over at the Marriott Buckhead.
Learn more and register.
Enjoy wine, bourbon, and hors d'oeuvres while supporting CBA's PAC/PR Fund. Governor Brian Kemp will be attending this event. CBA has secured a Group Rate for those who wish to stay over at the Marriott Buckhead.
Learn more and register.
Bankers Graduate from CBA’s
Community Bank Leadership Academy
What is the difference between leadership and management? Leaders influence! Our four-session leadership academy allows participants to measure plus grow their individual skills through-out all interactive sessions. John C. Maxwell’s Leadership Laws remind us that we must know and develop our own skills in order to lead and influence our teams. The CBLA program is designed to develop leaders of influence that positively support community bank strategies.
Messages from several 2021 CBLA Participants:
“I thoroughly enjoyed the leadership sessions, instructors and getting to know my fellow participants. I really appreciated the interactions and feedback of everyone.” Ken Austin, Market President/Lender, Queensborough National Bank & Trust Co.
“Leadership is getting results in a way that inspires trust! I learned this during our first session with April Farlow.” Marty Green, Sr. Vice President, Family Bank
“I would say that I would recommend the CBA Leadership Program without reservation. You will learn concepts and skills which will benefit you greatly in both your personal and work lives.” Eric Fletcher, Athens-Oconee Market President, BankSouth
Look for the 2022 CBLA Session Dates — Coming soon.
Community Bank Leadership Academy
What is the difference between leadership and management? Leaders influence! Our four-session leadership academy allows participants to measure plus grow their individual skills through-out all interactive sessions. John C. Maxwell’s Leadership Laws remind us that we must know and develop our own skills in order to lead and influence our teams. The CBLA program is designed to develop leaders of influence that positively support community bank strategies.
Messages from several 2021 CBLA Participants:
“I thoroughly enjoyed the leadership sessions, instructors and getting to know my fellow participants. I really appreciated the interactions and feedback of everyone.” Ken Austin, Market President/Lender, Queensborough National Bank & Trust Co.
“Leadership is getting results in a way that inspires trust! I learned this during our first session with April Farlow.” Marty Green, Sr. Vice President, Family Bank
“I would say that I would recommend the CBA Leadership Program without reservation. You will learn concepts and skills which will benefit you greatly in both your personal and work lives.” Eric Fletcher, Athens-Oconee Market President, BankSouth
Look for the 2022 CBLA Session Dates — Coming soon.
CBA Welcomes New Members
CBA is pleased to welcome:
CBA is pleased to welcome:
Hamp Johnston, President & CEO
RockPoint Bank, NA | Chattanooga, TN
RockPoint Bank, NA | Chattanooga, TN
Patti Steele, President & CEO
First Volunteer Bank | Chattanooga, TN
First Volunteer Bank | Chattanooga, TN
Kyle Staples has joined First Port City Bank, Bainbridge, as Vice President/Commercial Lender.
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Congratulations to Dawn Griffin, CEO & Chairman, Liberty First Bank, Monroe. Dawn recently celebrated her retirement and 50 years of service to the banking industry!
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Ryan Warren has been promoted to President and CEO for Commercial Banking Company, Valdosta. He has also been named to the bank’s Board of Directors.
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Kristy Brown, Vice President of Retail Banking, Greater Community Bank, Rome, was appointed Chair of the Heart of the Community Board of Governors.
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Madison Burns has joined Signature Bank of Georgia, Sandy Springs, as a Commercial Closing and Loan Operations Specialist.
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Brian Borders has joined Capital City Home Loans, Marietta, as a Mortgage Consultant.
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Think CBA First for Your Professional Development Needs!
Be sure to think of CBA first when it comes to your training and Professional Development needs. Here are some upcoming CBA events:
Be sure to think of CBA first when it comes to your training and Professional Development needs. Here are some upcoming CBA events:
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Consumer Lending School
Monday - Friday, October 4-8, 2021 | Macon or STREAM
The CBA has been a leader for decades in providing training for community bank consumer lenders. This annual 4½ day school is designed to take the student through the process of consumer lending to develop and advance the skills necessary to administer quality consumer loans. Numerous in-class case studies and exercises will be utilized to assist with comprehension and retention of these skills.
The lending process includes making sense of the decision process which includes taking the application, analyzing the financial data, making the credit decision, and ensuring compliance with laws and regulations, policies and procedure, and loan documentation to ensure a successful closing.
Areas of Study: Loan Application and the Interview Process | Getting a Grip on Lending Regulations | Credit Policy Credit Investigation | Lending - A Regulator’s Perspective | Evaluations and Decision Making | Lending to the Self-Employed Borrower | Loan Documentation | Driving Success in a Changing Environment | Practical Application of Consumer Lending Principles and Case Studies | And Much More! Register today.
Monday - Friday, October 4-8, 2021 | Macon or STREAM
The CBA has been a leader for decades in providing training for community bank consumer lenders. This annual 4½ day school is designed to take the student through the process of consumer lending to develop and advance the skills necessary to administer quality consumer loans. Numerous in-class case studies and exercises will be utilized to assist with comprehension and retention of these skills.
The lending process includes making sense of the decision process which includes taking the application, analyzing the financial data, making the credit decision, and ensuring compliance with laws and regulations, policies and procedure, and loan documentation to ensure a successful closing.
Areas of Study: Loan Application and the Interview Process | Getting a Grip on Lending Regulations | Credit Policy Credit Investigation | Lending - A Regulator’s Perspective | Evaluations and Decision Making | Lending to the Self-Employed Borrower | Loan Documentation | Driving Success in a Changing Environment | Practical Application of Consumer Lending Principles and Case Studies | And Much More! Register today.
Webinar: Exploring Branch & Marketing Share Analysis
Tuesday, September 28, 2021 | 1:00 p.m.
The banking system has been inundated by excess deposits as government relief efforts have left both businesses and consumers flush with cash and increasing bank deposits to $17.236 trillion. Banks and thrifts are therefore looking for ways to better analyze branch footprints and deposit growths in markets. Learn more and register.
Tuesday, September 28, 2021 | 1:00 p.m.
The banking system has been inundated by excess deposits as government relief efforts have left both businesses and consumers flush with cash and increasing bank deposits to $17.236 trillion. Banks and thrifts are therefore looking for ways to better analyze branch footprints and deposit growths in markets. Learn more and register.
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Bahr Consultants, Inc. is a "fee only” risk management and insurance consulting firm that specializes in analysis of financial institutions' insurance exposures. The focus is on the Financial Institution Bond, Directors & Officers Liability, Cyber Liability, Bankers Professional Liability, and Property/Casualty insurance exposures for banks. Founded by W.H. (Hank) Bahr in 1988, Bahr Consultants provides insurance reviews as recommended by the Ga. Dept of Banking, and can assist banks in obtaining competitive insurance pricing and proper insurance coverage through the bid process.
To learn more, contact Hank Bahr at 856-694-6098 or visit their website. |
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