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Policy

CSBS supports state regulators in advancing the system of state financial supervision by ensuring safety, soundness and consumer protection; promoting economic growth; and fostering innovative, responsive supervision. The content in the Policy Section describes the positions of CSBS on legislation, regulations and guidance in advancing these objectives.

All Issues

State and federal bank regulatory agencies continue to evaluate the perceived shortage of state certified and licensed appraisers in certain areas across the country.
State regulators strongly support the Bank Service Company Examination Coordination Act. The bill, first introduced in the 114th Congress, is commonsense, bipartisan legislation that makes state and federal supervision more efficient and more effective.
BSA/AML regulations are designed to help identify the source, volume, and movement of currency and other monetary instruments.
State regulators support the 2022 federal banking agencies’ proposed modernization of the Community Reinvestment Act (CRA) but seek further clarity on some matters.
The Money Transmission Modernization Act is a single set of nationwide standards and requirements to modernize the supervision and regulation of money transmitters.
The CSBS model state regulatory prudential standards for nonbank mortgage servicers establish common financial capacity, governance, and risk management requirements for nonbank mortgage servicers.
This CSBS white paper serves as a stakeholder awareness document covering state supervision of the nonbank marketplace and as a roadmap to assist state supervisors in making informed changes to state supervisory processes.
Collaboration between state and federal regulators is as equally important as state-to-state collaboration.

It is important for the FDIC Board to represent the entire system it oversees, including state-chartered banks. That is why Congress requires that at least one of the three independent Board positions be held by someone with state bank supervisory experience.
Effective financial regulation requires strong relationships among states and between state and federal regulators.

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Policy Statements

Access all testimony, comment letters, and policy letters sent by CSBS.

Networked Supervision

A supervisory approach that produces highly-skilled examiners, a more streamlined and efficient compliance process, and a safer consumer experience.

Cooperative Agreements

State Regulators have cooperative agreements with one another, with federal agencies, and with other state representative agencies. You can find all of these agreements here.