Items include
- 3 Case Studies
- 3 Podcasts
- 2 Webinars
- 41 BID Newsletters
regulatory
Case Studies
As Bay State Bank expanded, it sought a CECL partner that could not only meet regulatory demands but also align with its growth-oriented vision. Download their case study to learn how PCBB's CECL FIT® supported the bank's growth and evolving loan portfolio needs.
Learn more about how Icon Business Bank, a newly established bank, addressed unique challenges in implementing CECL, like no historical data and a lack of in-house resources, using PCBB's CECL FIT®.
Harleysville Bank struggled with a labor-intensive CECL process that consumed substantial resources and time. Download their case study to learn how PCBB's CECL FIT® helped them enhance efficiency and automate manual processes.
Podcasts
PCBB President Mike Dohren shares 2026 predictions for community banks — covering profitability, customer engagement, AI, cyber risk, stablecoin, and faster payments — along with practical guidance on data strategy, culture, and targeted digital transformation.
As the cannabis industry grows, community financial institutions face a pivotal decision—should they step into the Marijuana-Related Banking (MRB) space? In this episode, we explore the evolving landscape of MRB, breaking down the risks, rewards, and regulatory complexities of taking on cannabis-related business customers.
We sit down with a former regulator to explore the keys to success for CFIs. Hear insights on the importance of proactive risk management, strong communication, why involving regulators early in risk discussions is crucial, the significance of corporate governance, and more.
Webinars
In this virtual roundtable with a panel of community financial institution executives, we explored their journey of implementing CECL. Here are the strategies, lessons learned and insights that they can share with their peers based on their implementation journey.
A new accounting standard means lots of changes, including how qualitative factors (Q Factors) apply. In this webinar, gain an understanding of Q Factors with CECL, and learn how they need to be applied under CECL compared to the incurred loss model.
A newly introduced bill aims to reduce regulatory burden and improve funding flexibility for community banks. We break down the key provisions and what they could mean for supervision, capital, and growth.
We sat down with PCBB President Mike Dohren to talk about what 2026 might have in store for CFIs, from M&A trends to regulatory expectations and the biggest threats CFIs could face this year.
The OCC has issued streamlined BSA/AML examination guidelines for CFIs that are at lower risk for money laundering and terrorist financing activities. We detail what the changes are for CFIs that qualify.
Per tradition, we're looking back on our top articles of the year to BID goodbye to 2025. As federal payments shift to faster digital methods, CFIs can support SMB clients by modernizing payment tools, encouraging digital adoption, and delivering real-time capabilities that meet evolving business expectations.
Per tradition, we're looking back on our top articles of the year to BID goodbye to 2025. In this August article, we discuss how regulatory changes have cleared the way for financial institutions to delve into crypto. We outline the latest developments and safe strategies for CFIs to start exploring crypto offerings.
A federal court has issued a preliminary injunction preventing the CFPB from enforcing the open banking rule, which was passed last October. We discuss the opportunities of the delay for CFIs.
In a two-part series, we look at trends, challenges, and opportunities CFIs have encountered over the past year, and how they have responded to support their continued growth and resilience.
The 2025 DFAST credit stress testing results show reduced capital strain and regulatory momentum toward smoother stress testing — important signals for CFIs.
RegTech can help CFIs boost compliance, cut costs, and reduce risk. Recent advances are making it more accessible and cost-effective for CFIs to adopt these solutions. We provide a roadmap for implementation.
The OCC issued new and proposed rules that should significantly reduce the regulatory burden for banks under $30B. We discuss the changes and how banking organizations are reacting to the news.
US financial institutions are falling behind global peers in adopting AI for compliance, slowed by federal deregulation and a patchwork of state rules. We detail the impact and tips to ease the transition.
We invited Tony Repanich, President & CEO of Shield Compliance, to share the benefits and challenges of serving cannabis-related businesses, as well as the industry’s outlook.
Recent regulatory changes have cleared the way for financial institutions to delve into crypto. We outline the latest developments and safe strategies for CFIs to start exploring crypto offerings.
U.S. Treasury Secretary Scott Bessent calls for regulatory reforms tailored to CFIs, opening the door for simplified capital requirements and more lending capacity.
A deep dive into three major factors that contributed to a smaller-than-expected capital decline in the 2025 stress test, and their broader implications for CFIs.
Federal Reserve Vice Chair for Supervision Michelle Bowman has called for a sweeping bank regulation overhaul. We delve into some of her ideas to tailor regulations for community financial institutions.
As federal payments shift to faster digital methods, CFIs can support SMB clients by modernizing payment tools, encouraging digital adoption, and delivering real-time capabilities that meet evolving business expectations.
Amidst heightened risks of money laundering and fraud, embedded compliance promises an additional layer of risk control that the banking industry has begun to embrace — including central banks.
A bill to boost new bank formation could help communities that have seen gaps in banking services arise as a result of the shrinking number of community banks.
Experts believe that CFIs have a heightened risk in the areas of BSA and AML compliance. We review these risks and how to identify them and suggest strategies CFIs can adopt to mitigate them.
As open banking becomes more popular, the CFPB is working to establish standards for data sharing, assisted by FDX. CFIs should actively watch how things play out.
Even if your institution isn't required to comply with the new Personal Financial Data Rights rule, preparing for open banking is essential. As consumer demand for data sharing grows, adopting secure digital interfaces will help you stay competitive and meet evolving expectations.
We interviewed PCBB President Mike Dohren about the key trends he anticipates affecting CFIs in 2025, including regulatory changes, mergers and acquisitions, lending trends, and technology.
In this second part of our review of 2024, we look at the challenges and opportunities arising from increased regulatory scrutiny, the rise of open banking, and the adoption of faster payments.
In September 2024, several federal regulators updated or finalized their guidelines for evaluating proposed bank mergers. We look at the new guidelines and what they mean for CFIs.
Major financial institutions like Bank of America and TD Bank illustrate the risks of falling short on anti-money laundering oversight. We look at how CFIs can learn from their missteps to strengthen compliance efforts.
As regulatory oversight of BaaS increases, CFIs need to be aware of the risks in their third-party relationships. We provide examples of BaaS flubs and how to avoid them.
The FDIC’s Deposit Insurance Fund’s reserve ratio is on track to reach the statutory minimum of 1.35% by 2026 — two years ahead of schedule. We discuss the impact on community banks.
The FDIC is proposing a rule that would change the definition of “deposit broker” and expand the types of exceptions allowed. We outline how the proposed rule could significantly impact banking operations.
As regulatory requirements increase, regtech can help you stay compliant while also lowering costs and increasing efficiency. We discuss possible use cases.
As European financial institutions prepare to adhere to the EU’s Digital Operational Resilience Act, CFIs may find value in using these rules and regulations to help shape cybersecurity initiatives.
The impact of CECL has been different for small and large CFIs, reflecting the differences in portfolio composition and pre-existing accounting practices between these institutions. We discuss contributing factors.
Certain states allow uninsured banks to have charters and sometimes access to a Fed master account. We discuss what this might mean for the financial industry and CFIs.
Discover how Enterprise Risk Management (ERM) can transform your CFI by holistically addressing risks and uncovering opportunities. Learn essential ERM framework components, risk assessment tips, and strategies for effective implementation.
The Federal Reserve has proposed shrinking the regulated interchange cap for debit cards, but banking associations and merchants oppose the change. We summarize each side’s response.
The Federal Reserve is considering keeping its Fedwire® Funds Service (Fedwire) and the National Settlement Service (NSS) running seven days a week, including holidays. We detail the potential benefits and costs.
The Federal Reserve recently published the results of its 2023 pilot climate scenario analysis conducted with six of the largest US banks. We discuss some of the Fed's key findings.
Ditch manual efforts in ensuring companywide compliance with evolving regulations. We explore how automation simplifies compliance, minimizing errors and boosting efficiency with cloud-based policy management.
A spate of regulatory actions against banks for compliance deficiencies in their fintech partnerships has bankers concerned. We discuss recent consent orders and provide tips on managing third-party vendor risk.
The CFPB is finalizing a rule that allows consumers and their representatives to access and share consumer data through secure interfaces. We explain the benefits and challenges of its implementation.
The OCC and FDIC have each proposed rules to enhance transparency around their processes of reviewing M&A transactions under the Bank Merger Act. We summarize the details of each agency’s proposal and provide resources to review and comment on the suggested changes.