Review of ICBA Advocacy in Action for 4Q 2026

So let's take a look here at this, and I just wanna show everyone on the left-- or I'm sorry, the right-hand side here, real results for your bank.

So what were some of the things that happened there? So stablecoin interest and yield payment authority defeated.

They're talking about the CLARITY Act there.

Now, the CLARITY Act has been defeated for the moment.

That does not mean it will not come back around again in the future, so I think there, the, the important thing to emphasize there is for the moment.

Uh, then you also had the community bank regulatory relief becomes law, so that was the 21st Century Road to Housing Act, and that became law on July 10th.

Uh, includes provisions to allow community banks to hold custodial deposits and more reciprocal deposits without them being considered brokered deposits, an eighteen-month exam cycle for banks with up to six billion in assets, and to promote the formation of de novo community banks.

So again, all great things there.

Lot of big wins for banks in that one.

Uh, final 1071 rule includes strong community bank exemptions.

So the CFPB's final rule exempts institutions that originate fewer than one thousand covered small business loans per year, defines small businesses as those with gross annual revenues of one million or less, and exempts agricultural loans.

Uh, these provisions align with ICBA's advocacy.

And then we had the ICBA continues to press for legislation to repeal or modify Section 1071 of Dodd-Frank c- completely.

So, uh, favorable acre, or I think, I think that's right, ACRE, acre, acre, uh, A-C-R-E implementation.

Uh, following the enactment of a version of ACRE as part of the One Big Beautiful Bill, ICBA met with Senate Treasury officials to ensure the implement- to implementing rules qualified that greatest number of agricultural loans consistent with the statute.

So there you have it.