Independent Banker - January 2020 - 32

PORTFOLIO
A new year for compliance
Compliance
The pace of regulatory and compliance
change isn't likely to slow down in
2020. Lawmakers, regulators and community bankers
are weighing reforms to the CRA, banking marijuanarelated
businesses and more. By Mary Thorson Wright
h, 2020. Arduous regulatory upheaval from recent
years, like that under the Dodd-Frank Act, Truth in
Lending Act (TILA)-Real Estate Settlement Procedures Act
(RESPA) reform and expanded Home Mortgage Disclosure
Act (HMDA) recordkeeping and reporting, has been
digested and is becoming distant in the rearview mirror.
While community banks and other fi nancial institutions
have not been deregulated, the tide of new regulatory initiatives
has been curtailed, and a trend toward regulatory relief
and more reasonable oversight has begun.
Time to sit back and relax? Well, no. The industry awaits
guidance to implement certain provisions of S.2155 (the Economic
Growth, Regulatory Relief, and Consumer Protection
32 Q ICBA Independent Banker Q January 2020
A
Act), and an evolution of other regulatory areas has begun.
Community banks must be prepared to make changes.
Focus on CRA reform
Calls from across the industry to reform the Community
Reinvestment Act (CRA) framework have prompted regulators
to act.
This year is ripe for a discussion of CRA reform, and, while
the outcome is yet to be determined, prospective improvements
to CRA for consistency and transparency include:
Q a clear, consistent and timely examination process
Q asset thresholds adjusted to refl ect the current banking
environment
Q assessment areas identifi ed and delineated by the community
bank
Q expanded and consistently applied CRA-qualifying
activities
Q metric-based systems, if they allow for inherent bank
characteristics

Independent Banker - January 2020

Table of Contents for the Digital Edition of Independent Banker - January 2020

Table of Contents
Independent Banker - January 2020 - Intro
Independent Banker - January 2020 - Cover1
Independent Banker - January 2020 - Cover2
Independent Banker - January 2020 - Table of Contents
Independent Banker - January 2020 - 2
Independent Banker - January 2020 - 3
Independent Banker - January 2020 - 4
Independent Banker - January 2020 - 5
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Independent Banker - January 2020 - Cover3
Independent Banker - January 2020 - Cover4
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