Community Bankers of Iowa Monthly Banker Update September 2013 | Page 9
Written By: Bill Loving, Chairman of ICBA
From the Top
Clearing the Way
As members of Congress head back to Washington this month from their summer recess, there’s something that should give them clear direction on how they can help community banks prosper—it’s called The Community Lending Enhancement and Regulatory Relief Act of 2013 or CLEAR Act. With separate but similar versions introduced in the Senate and House, these bipartisan measures go a long way in driving ICBA’s overall agenda to ease excessive regulatory burdens on the nation’s community banks. ICBA has long been at the forefront of this regulatory-relief effort in Washington—carefully molding and advocating its Plan for Prosperity legislative platform, which would promote a sensible regulatory environment that will help community banks to continue to serve their communities. Several CLEAR Act prov \?[??\?X? H\?]?H???HP?x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
? L?JK?\??[?]H ?\??[?? H?[ ?\?[? ?? X?Y[??[ K?\??Y??H???\??Y??? H ?[[Y\? ?X?\??????Y?H?[???\??H[?[?
?R?[??K??\?\?
S[? ?H[?X\???\??
?R[ ?K H?[ ??[?8?(?H^[\ ??[][?] H?[??????HH ?\?Y] H??]?[??Y?H ?Y??\?[?? Y[???]?\???? ?[\? ? ?\ ? H?\?[?? ?X??\?N?8?(?H ?\ ?Y][?[?\][? ? [?]Y\??? ?X[?[???[????\[?Y\??[?8?(?H ??YH^[\ [??????[][?] H?[??????H?\??[?\??^H[?\??[ X?? ?? ?\??\??Y[?X[?]\?H?\?H?[
??? M?L
K?H?\?H ?\??[?? H?[ ?X? ?\?[? ?? X?Y[?\ ?[?H?\ ??Z[?H Y]?[Y^Y\?
?S[?K ??[?8?(?H^[\ ??[][?] H?[??????HH ?\?Y] H??]?[??Y?H ?Y??\?[?? Y[???]?\???? ?[\? ? ?\ ? H?\?[?? ?X??\?N?8?(?H ?\]Z\?H ?Y???\?[? ]X[?]]]?H?\?Y?X?][???]??X?\?]Y\?[?^?[??H??[Z\??[? ?[\??8?(?H ?Y X?H[??X[ ?]?X?H??X?H ?Y [?[??Y\? ??] \\?????8?(?H ?\ ?Y][?[?\][? ? [?]Y\??? ?X[?[???[????\[?Y\??[?8?(?H^[\ ??[][?] H?[??????H?\??[?\?S?^H[?\??[?? ?? ?\??\??Y[?X[?]\??[H???[ ?\?H?Z[?[???\\?\?[? ?\ ? \?x?&\?[?H ??? ??H?K?]8?&\? ?][ ] ?H[ ?XZ? \[? ????\?Y[X?\??????\???? ?Y?[]?H?\?[?Y??X? ??\?X?[] H ? ?\??H?\??\??Y\??[???[][?]Y\? \?[?? \??]X?[ [YK?P?x?&\? ?\?Y[?[??S??[H?[?K] H?Z[? HXY ?[?H ?ZY ] \?Y?\?][?\? ]??[ ? [????[?? H??????[X???ZX? ???\?] K?H??[??&]Y?YH[?K ??]8?&\? ??????\??^X? H ?] ]YX[?? ? \?????ZXY[??]X?]?K??[][?] H?[??\???x?&]?H??H??? ?\? [??? ?P?x?&\?[??? ???\?] N????]8?&\?XZ?H] ? H?[?\?[?K???H??[][?] H?[??\???[??H[?P?H ?[? ?XY H ? ?\ ? [?H[???Y?[??H ] ?[?HY??X?]?H ?[][??\ ? ?] [?\?]?XZ?\??? H[ ???[[YYX]H ?? ?[? ?\??\??\? ??] [?H ?\?Y ?\?]?HX\?
???X?K????ZX\?
KP?x?&\???HY ???X?H ?\??\??H?[?\????\ [X?\? ? L? ? ????X[?[?K???
??