Results include

Webpages
May 19, 2023
PCBB's shareholder and regulatory reports and policies.
Webinars
Jul 13, 2017
Community banks with total assets over $100mm and in good regulatory standing.
BID Newsletters
Jul 12, 2023
As banking as a service (BaaS) grows in popularity, so does the need for regulatory requirements. We discuss the upcoming trends and concerns with BaaS and how CFIs might prepare for instituting BaaS.
Apr 5, 2023
As regulators step up their oversight of cybersecurity and prepare to impose new regulations, CFIs need to review their cybersecurity programs and plug any gaps accordingly. Regulatory proposals provide the perfect guide for where CFIs should focus their efforts.
Mar 9, 2023
As regulators shift their focus areas for this year’s audits, CFIs should pay particular attention to the new areas that have caught the eyes of regulatory agencies. Knowing what each particular regulator is focusing can be key to acing regulatory exams.
Dec 6, 2023
In this second part of our review of 2023, we look at the challenges brought about by the evolving fintech landscape, the ever-increasing cybersecurity threats, and mounting regulatory complexity. We explore how CFIs have responded to these situations.
May 25, 2023
Regulators in the US and abroad are taking a closer look at the climate-related risks that financial institutions face, and are preparing to enhance regulatory requirements on this front. In the first installment of this 2-part series, we’ll explore how climate risk is being approached by banking regulators around the world.
Feb 28, 2023
As AI becomes an increasingly important component of the financial world, regulators are stepping up their oversight of its risks. Now is the time for CFIs to look at potential risks that may exist within their AI programs and pre-emptively look for ways to mitigate any risks in anticipation of heightened regulatory oversight.
Jan 27, 2023
The regulatory environment for banking M&A is evolving. Regulatory agencies are assessing the current competitive environment with an eye toward improving measures of competitiveness. While much remains uncertain, the recent merger of U.S. Bank and Union Bank offers some insights that may benefit banking institutions.
Jan 5, 2023
The OCC has released a new strategic plan that prioritizes stronger, more modern community banks. Understanding where the regulator is emphasizing change within its own operations, and where it believes the biggest risks to consumers lie, is the best way to prepare for any likely regulatory changes to come.
Dec 15, 2022
We interviewed PCBB’s President, Mike Dohren about the key trends he expects CFIs will need to look out for in 2023, including the impact of a slowing economy, the continued rise of disruptive tech, and key regulatory changes.
May 18, 2022
Blockchain technology promises many benefits to financial institutions, as they adapt to meet changing customer and stakeholder expectations, as well as regulatory requirements. Some experts argue that, while there are still many logistical challenges to overcome, blockchain has the potential to completely revolutionize the future of finance. We look at four applications of this technology that may be advantageous to community financial institutions in the future.
Feb 21, 2024
The OCC recently published its autumn statement on key risks facing the federal banking system. We summarize these risks and suggest ways CFIs can mitigate them to improve their institution’s resilience.
Dec 19, 2023
The Community Reinvestment Act is getting modernized with the issuance of a new rule that reflects how the delivery of financial services has vastly changed in nearly 50Ys. We delve into the details, particularly how the new rule will impact community banks and what they should do to prepare for the first phase of implementation, slated for 2026.
Aug 24, 2023
It’s not enough to have a robust program to comply with the Bank Secrecy Act and anti-money laundering regulations — CFIs are required by regulation to also routinely audit whether their programs are truly adequate enough to thwart nefarious acts like drug trafficking and terrorism. We share details of an appropriate auditing process.
Jul 20, 2023
Amidst a handful of bank collapses and ongoing economic uncertainty, the Financial Stability Oversight Council has proposed rule changes that would make it easier to regulate and classify non-bank organizations as systemically risky.
Jul 13, 2023
Taking steps to make your CFI more user-friendly for persons with disabilities can also translate to greater customer satisfaction. With heightened ADA rules pending, auditing your ADA friendliness is a smart thing to do.
Mar 2, 2023
CRA-regulated CFIs play a crucial role in supporting low- and moderate-income communities and small businesses. We discuss how institutions can ensure compliance with the Act, and how it is evolving to meet the needs of today’s world.
Feb 17, 2023
RegTech can help CFIs handle compliance-related tasks, manage vendors, and arrange records so they’re easily searchable and accessible. We look at RegTech and its uses that you might consider for your own institution.
May 19, 2022
Anti-money laundering practices have been under more scrutiny as the pandemic ushered in more digital payments and cryptocurrency activity. Now, with the invasion of Ukraine, anti-money laundering measures and OFAC compliance tops regulators’ lists. Here are important risks to look out for and reminders on how to continue strengthening your practices to mitigate these risks.