State regulators call for changes to support innovation, stability, and predictability Washington, D.C. – The Conference of State Bank Supervisors (CSBS) today raised serious concerns about stablecoin legislation in a letter to House Financial Services Committee leadership. CSBS previously expressed similar concerns about the Senate stablecoin bill. “Without the adoption of critical changes, the legislation will fall short of establishing

The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.

By CSBS Chief Economist Thomas F. Siems, Ph.D. Community bankers indicated both greater optimism and more uncertainty in the CSBS first quarter 2025 survey. While optimism and uncertainty generally move in opposite directions, future expectations for three of the index’s components seem to create a thought-provoking narrative in these uncertain times. Community bankers’ optimism stems primarily from hopes that the

Financial institutions collect and protect highly sensitive information every day. The financial services industry is a vital component of the nation’s critical infrastructure—banks and nonbank financial institutions are the cornerstones of local communities, intrastate commerce, and the U.S. economy. As CEOs, Executives, and/or Board Members, you have the responsibility to adequately protect the money and information entrusted to you by

CSBS conducts, sponsors and supports research initiatives spanning the financial system. Each year, CSBS co-sponsors an annual community banking conference with the federal reserve, conducts a survey of community banks, sponsors an undergraduate community bank research conversation, and more. On a quarterly basis, CSBS surveys community banks for their sentiment. CSBS staff also release white papers and periodic risk reports

CSBS and state regulators work together to create consistent regulatory standards for nonbank firms through the adoption of model laws. CSBS’s model laws provide a clear nationwide framework for state legislatures to enact and state regulatory agencies to implement. Model laws provide businesses with consistent requirements and promote common standards and practices across the state system, ultimately benefiting consumers. Explore

Our in-person and online programs range from basic examiner training and continuing education, to executive programs for senior department personnel. We also collaborate directly with state banking departmenets to develop, deliver, and manage all aspects of professional development and training programs that can be customized, held in-state or regionally, and competitvely priced to keep training costs as affordable as possible.

Specialty Certification Certified Information Systems Examiner (CISE) Objectives of the CISE Certification Program: 1. To recognize advanced knowledge and skills required for examining information technology (IT) and cybersecurity operations in financial institutions and service providers of varying sizes and complexities. 2. To promote ongoing education in IT and cybersecurity supervision, ensuring examiners remain informed about evolving technologies, threats, and regulatory