Tim Roy and Ron Haynie from the Independent Community Bankers of America (ICBA) join this episode to share their unique perspectives on the regulatory and legislative challenges shaping today’s banking landscape, from navigating 5,000+ pages of new regulations to grappling with industry changes since Dodd-Frank. They explore how community banks serve as the financial backbone of rural and small-town America and why tailored regulation is essential for their survival and growth. The discussion delves into policy initiatives, the impact of big data and compliance burdens, and the future interplay between housing trends and community banking.