Page 6 - Membership Guide

Current priorities
Our industry’s biggest priorities (as we perceive them):
 Inform banks and represent their views on myriad issues
 Basel III and DFA regulations
 State and federal legislative proposals
 Regulatory actions including enforcement actions
 Public understanding of ability to lend, realities of foreclosures…
 Increased political engagement
 Stop continual expansion of tax advantaged competitors: credit unions, Farm Credit System…
 Fair competition by nonbanks – in all areas: taxation, CRA, safety/soundness …
 Improve the image of banking by correcting misperceptions
 Contribute to better educate and inform bankers

Public Policy Considerations
CBA’s broad criteria for determining the Association’s position on policy issues:
1) Do bank customers and the public benefit from the proposal?
2) Does the proposal enhance the broad competitive environment?
a) Does the proposal achieve or maintain equal competitive ground rules among the various types of
competing financial institutions?
b) Does the proposal provide the opportunity for competitive financial viability and profitability regardless of
bank size?
3) If the proposal is not pro-competitive, is it otherwise demonstrably necessary to achieve a healthy business
climate or safe and solvent financial institutions?
4) Does the proposal promote individual responsibility and freedom?
5) Does the proposal reduce or limit government regulation or scope?