Independent Banker - December 2019 - 18

PORTFOLIO
What compliance changes
did 2019 bring?
Compliance
This year, community banks saw the
full implementation of S.2155, which
provided regulatory relief. While a quiet regulatory year,
many community banks were busy improving their own
compliance programs. By Mary Thorson Wright
he regulatory machine stayed relatively quiet in 2019,
but community banks kept busy implementing compliance
legislation and guidance issued in previous years. Many
also pursued enhancements to make their Compliance Management
Systems (CMS) more efficient and effective.
The S.2155 state of play
In May 2018, Congress passed the Economic Growth, Regulatory
Relief, and Consumer Protection Act, or S.2155, after
18 Q ICBA Independent Banker Q December 2019
T
years of ICBA and community banker advocacy. The law
eases some financial rules to allow community banks to better
serve their customers and communities. Most provisions
of S.2155 became effective when it was signed into law, but
many required agency rule-making, dropping them into the
2019 bucket.
An ICBA matrix (icba.org/S2155) tracks the implementation
of S.2155 to help community banks navigate the changes
and evaluate the impact of regulatory modifications. Some of
the most significant compliance changes affect Home Mortgage
Disclosure Act (HMDA) data collection and reporting,
rules on mortgage lending and examination frequency. As of
this writing, small business loan applications under Section
1071 of the Dodd-Frank Act still await Consumer Financial
Protection Bureau (CFPB) rules for HMDA data collection

http://www.icba.org/S2155

Independent Banker - December 2019

Table of Contents for the Digital Edition of Independent Banker - December 2019

Table of Contents
Independent Banker - December 2019 - Intro
Independent Banker - December 2019 - Cover1
Independent Banker - December 2019 - Cover2
Independent Banker - December 2019 - Table of Contents
Independent Banker - December 2019 - 2
Independent Banker - December 2019 - 3
Independent Banker - December 2019 - 4
Independent Banker - December 2019 - 5
Independent Banker - December 2019 - 6
Independent Banker - December 2019 - 7
Independent Banker - December 2019 - 8
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Independent Banker - December 2019 - 38
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Independent Banker - December 2019 - 40
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Independent Banker - December 2019 - 49
Independent Banker - December 2019 - 50
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Independent Banker - December 2019 - 58
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Independent Banker - December 2019 - 76
Independent Banker - December 2019 - Cover3
Independent Banker - December 2019 - Cover4
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https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
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https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
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https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
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https://www.nxtbook.com/mspc/independentbanker/november2018
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https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
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