Dodd-Frank and the Consumer Protection Act have been among the key concerns for bankers in recent times. One of the more confusing issues that community banks must address is stress testing. While community banks with $10 billion or less in total assets are not required to perform stress tests they are strongly encouraged to do so by the regulators. Read more...

Some community banks believe that they are not subject to the unfair, deceptive or abusive acts or practices (UDAAP) provisions of Dodd-Frank. In reality, UDAAP provisions apply to all banks, regardless of their size. A large percentage of UDAAP violations cited by the FDIC was for banks with total assets of $250 million or less. Read more...

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