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How have community banks’ payment strategies been impacted by new regulations and emerging technologies? ICBA conducted its biennial survey to find out. The 2011 ICBA Payments Survey was conducted from June 6 - June 30, 2011 and included 43 questions with responses from 713 community banks with assets ranging from under $100 million to more than $500 million.

ICBA released talking points to help community bankers answer questions about the impact of the Federal Reserve’s rule implementing the Wall Street Reform Act’s debit card interchange price controls.

The talking points note that the harmful consequences of the Durbin amendment are playing out for consumers now that the Oct. 1 deadline has passed. They also point out that while community banks with less than $10 billion in assets are exempt, they will likely earn less debit card revenue as the rule is implemented.