Bank Compliance Center

In today’s banking environment as soon as one big new regulation is implemented another pops up. ICBA’s compliance training opportunities and exceptional resources, online and offline, will help your community bank stay informed and one step ahead of the regulators.

Recent Compliance News



Oct 8, 2025 | NewsWatch Today
FFIEC releases second version of 2025 CRA software

The Federal Financial Institutions Examination Council announced that the second version of the 2025 Community Reinvestment Act Data Entry Software Release is now available on the FFIEC CRA website.

Sep 15, 2025 | NewsWatch Today
Nacha to automate ACH audit proof process

Nacha announced that, starting next month, the process of requesting proof of an ACH Rules compliance audit will be automated through its Risk Management Portal.

Jul 3, 2025 | NewsWatch Today
CFPB confirms plan to issue new rule on 1071, extend deadlines

The Consumer Financial Protection Bureau said it plans to issue new Section 1071 rulemaking as soon as possible and has extended compliance deadlines for most entities by one year—an extension designed to protect lenders that are not members of ICBA and not otherwise protected by the current stay.

Jun 27, 2025 | NewsWatch Today
Agencies issue 2025 list of CRA geographies

Federal banking regulators issued the 2024 list of distressed or underserved nonmetropolitan middle-income geographies.

Upcoming Compliance Training
Nov 4, 2025 | Institute - Livestream

BSA/AML Institute


Compliance Question of the Week

Question: If a bank denies a loan application and then the applicant comes back and gives the bank new information to "overturn" the denial, does the bank report two loans (one denied and one originated) or just one loan (originated) on the HMDA LAR?

ANSWER:

The bank may choose to do either if the original application and the request to "overturn" the denial occur within the same calendar year. The bank may choose to treat the request as a continuation of the earlier transaction using the same ULI or NULI or as a new transaction with a new ULI or NULI. If the bank treats it as a new transaction it must report the date of the request as the application date. If it is treated as a new transaction, it is reported as the origination date. 

Note: This data field is required for all HMDA reporting institutions.

Reference: HMDA Reporting Getting it Right, Version 4.0 Edition effective for January 1, 2020 (submission due March 2021), page 63 and i-29 reinstated application; Commentary 1003.4(a)(1)(ii)-4; Commentary 1003.4(a)(1)(ii)-3. 

Compliance Vault



The ICBA Compliance Vault is now available as a member benefit to all ICBA members.

The Compliance Vault is a reliable search tool that helps you find answers to your regulatory compliance questions, with access to over 2,500 Q&As, select online courses, and documents.

Learn more & open the vault

Compliance Resources



Earn your Community Bank Compliance Officer Certification at the ICBA Compliance Institute

Compliance Graphic Square

To earn the Certified Community Bank Compliance Officer (CCBCO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam(s).

The ICBA Compliance Institute is built to meet the needs of seasoned professionals seeking the latest regulatory education and industry best practices as well as newer compliance officers seeking to gain a clear understanding of the fundamental concepts of each regulation.

Learn More