Key Findings The final quarter of 2016 closed out with an underscoring of trends that were discussed throughout the year. Chief among these trends is a persistent loosening of underwriting standards and generally more accommodative credit administration practices across most lending segments and geographies. Agricultural regions, however, no longer seem to be following this trend, with such areas more commonly

April 26, 2021 The Honorable Sherrod Brown Chairman Senate Committee on Banking Washington, D.C. 20510 The Honorable Patrick Toomey Ranking Member Senate Committee on Banking Washington, D.C. 20510 Dear Chairman Brown and Ranking Member Toomey, On behalf of the Conference of State Bank Supervisors (CSBS) 1, I am writing to express our members’ support of the Congressional Review Act (CRA)

June 14, 2021 The Honorable Maxine Waters Chairwoman House Committee on Financial Services Washington, D.C. 20515 The Honorable Patrick McHenry Ranking Member House Committee on Financial Services Washington, D.C. 20515 Dear Chairwoman Waters and Ranking Member McHenry, On behalf of the Conference of State Bank Supervisors (CSBS) 1, I am writing to express our members’ support of the Congressional Review

CSBS urges Congressional action to establish a credit facility for nonbank mortgage servicers and reestablish the Transaction Account Guarantee (TAG) program for at least two years.

Download the Full Comment Letter [PDF] Ann E. Misback, Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue NW Washington, DC 20551 Docket No. OP–1838 Re: Request for Information and Comment on Operational Aspects of Federal Reserve Bank Extensions of Discount Window and Intraday Credit Dear Ms. Misback, The Conference of State Bank Supervisors 1

State regulators are charged with protecting consumers and ensuring the safety and soundness of the financial institutions they supervise.

Download the Full Comment Letter [PDF] James P. Sheesley, Assistant Executive Secretary Attenion: Comments Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 RIN 3064-ZA31 Re: Request for Comment on Proposed Statement of Policy on Bank Merger Transaction Dear Sir or Madam, The Conference of State Bank Supervisors 1 (“CSBS”) provides the following comments on the Federal Deposit

Download the Full Comment Letter [PDF] July 15, 2024 Federal Housing Finance Agency Division of Bank Regulation 400 7th Street SW Washington, DC 20219 Re: Federal Home Loan Bank Core Mission Activities and Mission Achievement Dear Sir or Madam, The Conference of State Bank Supervisors (“CSBS”) 1 and the National Association of State Credit Union Supervisors (“NASCUS”) 2 (collectively, “state

CSBS responds to the Federal Reserve Board's advance notice of proposed rulemaking on the Community Reinvestment Act