Independent Banker - October 2018 - 43
rethink the current system of the government requiring
fi nancial institutions to do its police work. Federal offi cials
should collect benefi cial ownership records at the time a
legal entity is formed if it wants this information, rather
than requiring fi nancial institutions to do it for them.
Meanwhile, ICBA has been working closely with
policymakers on CRA modernization, an Offi ce of the
Comptroller of the Currency-led project designed to
recognize new technologies and tailor rules to banks of
diff erent sizes and business models. In meetings with
the OCC and Treasury Department, ICBA has called for
clarifying the types of products and services that receive
CRA credit, improving examination clarity and fl exibility,
promoting more effi cient exams, and subjecting credit
unions to CRA.
" With the OCC taking the lead on both BSA and CRA
reform, ICBA has been working with them to ensure our
recommendations are included in these reform initiatives, "
says Lilly Thomas, ICBA senior vice president and senior
regulatory counsel.
How you can help: The campaigns for BSA and
CRA reform will continue to be hot-button issues
in Washington, so grassroots outreach is essential.
Community bankers can use ICBA's Be Heard
grassroots action center (icba.org/beheard) to stay
in touch with regulators and members of Congress on
these initiatives.
CFPB redress
Consumer Financial Protection Bureau (CFPB) rules are
often overly complex and run more than 1,000 pages in
length. Because community banks lack the bandwidth to
absorb their legal technicalities and the liability exposure,
ICBA has worked closely with the bureau's new leadership
in support of greater fl exibility for community banks. For
independentbanker.org Q 43
http://www.icba.org/beheard
http://www.independentbanker.org
Independent Banker - October 2018
Table of Contents for the Digital Edition of Independent Banker - October 2018
Table of Contents
Independent Banker - October 2018 - Intro
Independent Banker - October 2018 - Cover1
Independent Banker - October 2018 - Cover2
Independent Banker - October 2018 - Table of Contents
Independent Banker - October 2018 - 2
Independent Banker - October 2018 - 3
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Independent Banker - October 2018 - Cover3
Independent Banker - October 2018 - Cover4
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