Community Bankers of Iowa Monthly Banker Update August 2013 | Seite 6
Written By: Camden Fine, President and CEO of ICBA
Fine Points
Proportional Progress
It’s a concept long but steadily in the making—proportionally tiered regulations for community banks. Conceived by ICBA more than two decades ago, tiered regulation was developed to relieve community banks saddled with woefully impractical Community Reinvestment Act regulations. The whole complex CRA regime was put in place to address local obligations neglected by the country’s largest fin [??X[[??] ][????]?\?] ? ?X[ ]??Y??X?Y [??Z\? H[\??Y HY?\???? ?[??\?[?????[][?] H?[????%[??] ][?? ] ?\?H[ ?XY H?[?[[?? Z\???[?Y?][??\? \?? Z\?[?\?[??\?[?\??[?[ ?Y\?Y ?Y?[][?\? ?[??H ??YY??[][?] H?[??? ?[??X?H ?[YY? ?[H[??[?? ?Y?[]?? ? \??YH Z\? ?YH???\??[?[X[?]HZ[YY] ?^]?\??X[??[??????H?\?[?]X[ ?X??\??\??\??H ?Y??KP?H[?] ?Y[X?\?? ?] H ?X?Y[?[?H ?X?? ?X???? Y\?Y ?Y?[][?????[][?] H?[????[??H [?\? ?Y \H\?\??[]Y ? ?Z[?[? HYY?X?[??? H???\ \??Y[?[??X\?[?? H ?X???^?Y[? ?\ ?Y?H???Y\?[ ?Y?[]??[?]?XZ?\??[? \?[?? ??H YX\??P?H[???[][?] H?[??\????[?X[ H ? \??Y[?Y H\??\??[???[ ?x?&]?H??YHH?? ?^K?] ??X?\??] H ?X?X?[\? H???\?YY?H H]\??[? ?Y]?[?[??X[?\?\? Y\?Y ?Y?[][?\? ?Y[ HX??\ Y\? ?X?X?[[? ?? X?]?H X?X? ?X?K??][??\?[????&\??[?[??X[ ?X?H?\??\?]\? [?\????[?\??\??Y? \? ?]?\??Y ?????[??[?? ?[??\\????H ?\?[ZX? ?\??[? ??X?Y?]?Y?Z[ ?[?[^?\? ?\? ?\?Y [?\??[?[??^ [? ????H?\]?[ ? H ?Y?[]?HY?[??Y\? ? HY?\? ?XX?\?? H?]H?\?K?[?H[\?[? ?\?[? \? ?x?&\? \??\?[?Y??? ?\?H ^Z[???? ?] [??X?H ?\?[ ?H?[? ?Y]?Y??HX? ?X?Y?X?[ H\?X?Y ?Y?[]?? ??X]H ?[\? ]X???[[?]H H?\?][?[[Z] ?[??\?[?\??[?[ ????[][?] H?[???[? H ???\??[X?Y[?? Y\?Y ?Y?[][?[?? ?] ]?H \?X[?[??K?H???[Y\??[?[??X[ ??X?[??\?X]x?&\?^[\ [??????[][?] H?[???[?] ? ?X?[?[??Y?H[?[?? ?[?\? ??\?\? ??? ] Y\?Y ?Y?[][??[?[? ??[?H[\[Y[?Y ?[??\?\?[?[ H?Y\?[?[??[?? ?Y?[]?? ?[H [??? [?][ H???[ H^[\ [????[][?] H?[??????H Z\???[??\?[RRH?\][ ?[?\? ? ?Y? H^[\ Y??[][?] H?[??????H ?]?\?[? H[?? ??X?\??YH?X] \?\?\? ????Y[? ??H ?\]Z\?[Y[? ???[? \?H[?X\???Z[??P?H ???[?H[[?? H?][?[?[??[?? ?YH\????X][??[?Y ???][???? \?H Y\?Y ?Y?[]?H\ ??X?\?\?HX?Y]?[Y[? ?]?H?Y[? \[?] \?Y?Z[?? ??\??[? ?[? ??? ] ?X\?? ?H?[??? ?\?? \?H ?X??\??\?Y\?Y ?Y?[][?]\??H^ [?Y?\?\??% ? ??YY?H] ? X?H[? X?X? ?X?H[? ?[ ?Y\?X?\?H?Z\?[?]?[ ^Z[???Y[????[][?] H?[???Y?\? YX\???Z\?\?X?Y ?Y?[][?????[??? ^ Y^[\ ?[?[??X[ ^Y\??[?YY?X?[??? ?[??&]?X\?[?][?????H ? H ?[YH ???[?[ ?Y?[]?H?\?[?? ]??[][?] H?[?????]\?Y ?\??[?? ?Y?] H[? ??[??\??????[Y\? ??X?[??[?\???[??[?? ?Y?[][?]\??X??YH ??[Y ?[?[??] ][??&\? ?^?K??\^] KX?]?]Y\?[??[?[Y[?[?\?[?\??[?[ ??\??\?H ?Y?[][? ???&]?HY??X?]?K?]?[? ???H]??[ ??H\?Y?[ ?]8?&\??X??Z[??H???[??\?[?]?[?H?]? ?\?[?? ?[???[[??[?H?]??[??[??]?? ?Y?[][?[??\?[????Y\?Y ?Y?[][?\?\??]?Y[??\?[?????]\?H ?X?H ?X?X?H]8?&\? ?[?\??] [?? ?\?Y ?? ?H[]?H ???[?YH ? ????\?\?\?\? ?H]?H?Y[? ??Y\] ?[?Y[? [H??[????Y][?[[??Y? ???H?[H?[?K X\?H ?XY\????8?'?[?\??[? ?8?'H ?X??[??H??[?] ????[Y?[?K??? ?\????K??? ??Y??] H \ \?ZY ?\???(?\?X?\][??[??
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