Independent Community Bankers of America
Independent Community Bankers of AmericaSupportTrade association
Summary: The Independent Community Bankers of America (ICBA) supports the proposed mortgage-related revisions to the Standardized Approach but argues that further refinements are needed to ensure parity with large banks. They advocate for specific risk-weight reductions for community bank assets, the inclusion of PMI in LTV calculations, and a clear justification for any capital relief provided to large institutions.
A comment letter from the Independent Community Bankers of America in response to the NPR titled "Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets" (OCC Docket ID OCC-2026-0034, RIN 1557-AF49) is attached.