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The California Bankers Association and Beacon Economics Release California Banking Industry Intelligence Report
Report provides an overview of the banking sector, current interest rate environment and expected Federal Reserve action

Sacramento, Calif. — The California Bankers Association (CBA), one of the largest state banking trade associations, and Beacon Economics have released a fifth California banking report that examines important issues currently affecting California’s banks and the overall economy. The report is authored by Chris Thornberg, Ph.D., founding partner, and Jordan Levine, economist and director of economic research, at Beacon Economics.

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Register Now for FinDEVr 2016 Silicon Valley: CBA Members Enjoy Discount Pricing on Registration

On October 18 & 19, the third annual West Coast event will showcase the latest in fintech tools, technologies, APIs, platforms, case studies, and tutorials. Top software engineers and CTOs, technology architects and evangelists from these 50+ organizations will share their work and insights in 15-minute TED-style presentations with code, slides and live demos. If you love the “tech” in fintech, FinDEVr is the place to be. 

FinDEVr Silicon Valley 2016 Presenting Companies:

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Tax Reform Legislation Unveiled

Last week, House Republican leaders unveiled a draft of sweeping tax reform legislation — the first major overhaul of the tax code in more than three decades. Today, the House Ways and Means Committee is expected to begin a multi-day markup of this landmark legislation. Some of the major provisions of the bill include:



Federal legislation, the Community Lending Enhancement and Regulatory Relief (CLEAR) Act, has been introduced in the Senate and the House that would relieve regulatory burdens on community banks. Sens. Jerry Moran (R-KS), Jon Tester (D-MT), and Mark Kirk (R-IL) have introduced S. 1349 in the Senate, and Rep. Blaine Luetkemeyer (R-MO) has introduced H.R. 1750 in the House. The CLEAR Act is part of a sincere effort underway in Congress to address community banks’ concerns with growing regulatory burdens.


Bank Examination Reform

Regulators ensure that the banks they supervise comply with all rules and regulations by having examiners visit banks on a regular basis to review their books. Although the details vary by the size and complexity of the institution, a bank “examination” consists of a detailed scrutiny of bank assets, liabilities, income and expenses. The exam process is designed to confirm that the bank is safe and sound, maintains accurate financial statements, and is properly following all applicable laws and regulations.


Community Bank Regulatory Relief

Commercial banks play a major role in offering customized mortgages and consumer loans tailored to fit the unique characteristic of borrowers within their communities. Banks also are oftentimes the sole financial service provider in many of our nation’s smallest rural small towns. However, the compliance burdens and risks imposed by several requirements of the Dodd-Frank Act (DFA) and implementing regulations, particularly in the area of mortgage credit, have had negative impacts on banks, their customers and the housing market.