Independent Banker - December 2018 - 38

PORTFOLIO
Michelle " Miki "
Bowman will bring
a community
bank perspective
to the Federal
Reserve Board's
policymaking
activities.
Checks & Balances By Karen Thomas, ICBA
Prolific policymaking
W
Community banks had a banner year in 2018.
ith community bankers already looking
ahead to the rapidly approaching new
year, they can look back on 2018 as a momentous
period of advocacy gains. In fact, a considerable
portion of next year's agenda will involve implementing
the signifi cant policy successes enacted
this year.
If 2017 was a turning point for community
banks, with many longtime priorities fi nally on
track for passage in Washington, then 2018 was
the consummation of those eff orts. This was a
year of not only congressional regulatory relief
but also of a more common-sense approach to
community banks by the banking agencies. We
saw the long-overdue confi rmation of a mem38
Q ICBA Independent Banker Q December 2018
ber to the Federal Reserve Board's community
banking seat, enhanced Small Business Administration
programs and more.
And all of it was the culmination of relentless,
years-long advocacy by ICBA and the nation's
community banks. Here's a look at some of what
we accomplished this year.
Right-sized regulations
The most high-profi le community banking victory
of 2018 was the passage of the Economic
Growth, Regulatory Relief, and Consumer Protection
Act (S.2155). Signed by President Donald
Trump in May, this historic law is the result of a
multi-year ICBA eff ort to further tier regulations
to the size, risk, complexity and business model
of community banks.
Karen Thomas
(karen.thomas@
icba.org) is ICBA
senior executive
vice president
of government
relations and
public policy
Photo: Andrew Harrer/Bloomberg via Getty Images

Independent Banker - December 2018

Table of Contents for the Digital Edition of Independent Banker - December 2018

Table of Contents
Independent Banker - December 2018 - Intro
Independent Banker - December 2018 - Cover1
Independent Banker - December 2018 - Cover2
Independent Banker - December 2018 - Table of Contents
Independent Banker - December 2018 - 2
Independent Banker - December 2018 - 3
Independent Banker - December 2018 - 4
Independent Banker - December 2018 - 5
Independent Banker - December 2018 - 6
Independent Banker - December 2018 - 7
Independent Banker - December 2018 - 8
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Independent Banker - December 2018 - 11
Independent Banker - December 2018 - 12
Independent Banker - December 2018 - 13
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Independent Banker - December 2018 - 16
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Independent Banker - December 2018 - 18
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Independent Banker - December 2018 - 33
Independent Banker - December 2018 - 34
Independent Banker - December 2018 - 35
Independent Banker - December 2018 - 36
Independent Banker - December 2018 - 37
Independent Banker - December 2018 - 38
Independent Banker - December 2018 - 39
Independent Banker - December 2018 - 40
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Independent Banker - December 2018 - 49
Independent Banker - December 2018 - 50
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Independent Banker - December 2018 - Cover3
Independent Banker - December 2018 - Cover4
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