Independent Banker - April 2023 - 39

overstepping their statutory authority
in rulemaking in such areas as climate
risk and fees. They use informal
communications ( " junk fees " ),
press statements and social media
to convey expectations to pressure
community banks into compliance.
We have a whole new set of regulatory
expectations with no new laws being
passed; it's very frustrating!
Q: What about the biggest
opportunities?
Williams: The biggest opportunity
we have is to enhance the great
reputation that community banks
have earned over the years. Uncertain
or challenging economic times are
when our relationship banking model
shines in our ability to serve our
customers and communities well.
White: We have a real opportunity to
draw attention to credit unions and
how far they have strayed from their
original mission. Nobody can argue
with a straight face that credit unions
should be buying banks.
difference in relationship banking and
transactional banking. Battling the
bureau and the FDIC on overdrafts,
representments, climate risk, credit
card fees and small business data
collection will be key challenges
that we must win to protect Main
Street America.
Robert M. Fisher: Climate risk
regulations pose a large threat to
both community banks and our
customers. I'm very concerned about
the potential for another Operation
Choke Point. The " junk fee " push by
the CFPB and administration is also
concerning. Most of these fees are
directly controlled by the consumer,
yet we are being made out to be
the bad guys. Banks are not public
utilities, but I'm concerned the CFPB
wants to manage us like one.
Noah W. Wilcox: There are several
advocacy challenges ahead; some
of the most prominent will involve
section 1071 of Dodd-Frank,
proposed climate regulations, ESG
and, of course, too many trial balloons
being floated by the CFPB. Then there
are perennial issues like credit unions
and a level playing field.
Jack Hartings: I see the biggest
advocacy challenges are with the
current administration and agencies
Hopkins: I think it has to be
innovation. As we continue to add
products and services to our banks,
we are better able to compete with
the very large banks. We know our
communities and can serve them
much better. ICBA's ThinkTECH
Accelerator is a great partner working
to help community banks succeed.
Getzlaff: Our biggest opportunity
lies in our ability to tell our story and
the stories of our customers. We need
to tell these stories to our senators
and representatives, both nationally
and locally, whenever possible. We're
all busy, but we have to do our part,
whether it's a phone call, an email,
an in-person meeting or testimony,
written or verbal. People will listen
if you keep your message positive
and tell your story. I encourage
independentbanker.org // 39

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Independent Banker - April 2023

Table of Contents for the Digital Edition of Independent Banker - April 2023

Independent Banker - April 2023 - Cover1
Independent Banker - April 2023 - Cover2
Independent Banker - April 2023 - 1
Independent Banker - April 2023 - 2
Independent Banker - April 2023 - 3
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Independent Banker - April 2023 - 24
Independent Banker - April 2023 - 24A
Independent Banker - April 2023 - 24B
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Independent Banker - April 2023 - Cover3
Independent Banker - April 2023 - Cover4
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