InsightsPosts By Category
BankTalk 2027
10/28/2026
Join Saltmarsh July 19–21, 2027, in St. Petersburg, Florida, for BankTalk, a complimentary event for community and regional banking professionals. Explore emerging industry issues, connect with peers, and discover practical ideas for your bank’s future.
Construction Financing is Facing Headwinds on Multiple Fronts
10/6/2026
For much of the past decade, construction firms benefited from an environment of abundant liquidity, low interest rates, and strong investor demand for new development projects. Today, however, the financing landscape looks very different.
ACH Risk AssessmentsA Guide to Nacha Compliance and Fraud Risk Management
9/30/2026
Learn how ACH risk assessments help financial institutions strengthen fraud prevention, meet Nacha requirements, and improve ACH risk management practices.
ACH Reviews & Audits: NACHA Compliance Services for Financial Institutions
9/30/2026
Meet annual NACHA audit requirements with independent ACH reviews and risk assessments. Saltmarsh helps financial institutions strengthen compliance, reduce risk, and improve ACH operations.
Nacha Excused Delays: ACH Rules for Hurricanes & Unexpected Disruptions
9/22/2026
Understand Nacha's excused delay provisions, disaster recovery expectations, and best practices for maintaining ACH compliance during unexpected disruptions.
ACH Risk Assessment Guide for Nacha Compliance & Fraud Risk Management
9/22/2026
Learn how ACH risk assessments help financial institutions strengthen fraud prevention, meet Nacha requirements, and improve ACH risk management practices.
How Often Should You Conduct an ACH Risk Assessment?NACHA Requirements
9/21/2026
Nacha does not specify the frequency of the risk assessment, but it should be done periodically and updated as needed to reflect changes in the ACH activities, risks, and controls of the organization.
Best of BankTalk 2026: Trends, Takeaways & TogethernessShaping the Future of Community Banking
8/20/2026
This year, we were thrilled to welcome community banking leaders and industry experts for Saltmarsh BankTalk 2026, a two-day forum focused on the technology, compliance, economic, and strategic issues shaping the future of community banking.
BankTalk 2026: Who Is It For & What Can You Expect?Inside Saltmarsh's Premier Community Banking Forum
6/18/2026
Today's banking leaders need more than high-level discussions; they need practical strategies they can implement immediately, and this August, Saltmarsh welcomes banking professionals from across the country to BankTalk 2026.
ODFI Responsibilities in ACH Originator Onboarding: Compliance, Risk, & Security
6/2/2026
Understanding the responsibilities of Originating Depository Financial Institutions (ODFIs) when onboarding ACH originators is essential.
Agile Internal Audits: Bringing Speed and Flexibility to Financial Institutions
2/23/2026
Discover how agile, risk-based internal audits help financial institutions stay efficient, adaptable, and aligned with evolving risks and regulations.
IRS Releases FAQ on Paper Check Phase-OutWhat Taxpayers Need to Know
2/4/2026
The IRS just released a new FAQ clarifying how it will move away from paper checks for tax refunds and payments.
OCC's New CRA Strategic Plan ProposalWhat Community Banks Need to Know
1/21/2026
The OCC is proposing a simpler, clearer process for community banks to create and use CRA strategic plans, reducing regulatory burden and making it easier to demonstrate community impact. Stakeholders can provide feedback to help shape the final guidance and ensure it supports both compliance clarity and local lending needs.
FAQs: Working with Saltmarsh's Financial Institution Advisory Team
1/20/2026
Saltmarsh’s Financial Institution consulting team delivers specialized support for banks, credit unions, and fintechs. With decades of experience and deep regulatory expertise, we offer responsive, flexible solutions tailored to your institution’s needs.
What the FDICIA's Part 363 Threshold Updates Mean for Banks
1/2/2026
The FDIC adopted a final rule updating FDICIA Part 363 thresholds to account for inflation, providing regulatory relief for community and mid-sized banks. Learn what changed, who’s impacted, and how to right-size internal controls without sacrificing governance.
Leading ALM & IRR Management: Best Practices for Financial Institutions
12/15/2025
Discover key strategies for strengthening asset/liability management (ALM) and interest rate risk (IRR) oversight. Learn how strong policies, realistic assumptions, and sensitivity testing help financial institutions navigate today's rate environment.
Celebrating 20 Years of BankTalkSaltmarsh's Community Banking Events
9/10/2025
This week, we were thrilled to welcome over 80 bankers from 33 institutions to the University Club of Tampa for our 20th annual Saltmarsh BankTalk—a milestone event that brought together community banking leaders, industry experts, and trusted partners for one and a half days of learning, networking, and forward-looking discussions.
Celebrating Excellence in Financial Institutions Consulting
8/27/2025
Saltmarsh’s Financial Institutions Consulting team is celebrating two major milestones: Vanessa Feely earned her CFIRS designation, and Angel Roberts achieved her CRCM certification. These accomplishments highlight the team’s deep expertise and ongoing commitment to excellence in serving financial institutions.
Proposed FDICIA Rule Could Eliminate HUD AuditRequirements for Mid-Size Lenders
8/14/2025
A proposed Federal Deposit Insurance Corporation (FDIC) rule change could quietly eliminate a costly audit and reporting requirement for mid-size lenders active in originating and servicing Federal Housing Administration (FHA) insured mortgage loans.
BankTalk 2025: Who Is It For & What Should You Expect?Inside Scoop on Saltmarsh's Premier Community Banking Forum
8/4/2025
This September, Saltmarsh celebrates a significant milestone: the 20th anniversary of BankTalk, our flagship community banking event. What began as a regional gathering of banking professionals has evolved into the Southeast's premier forum for addressing the technology and compliance challenges that define modern community banking. BankTalk 2025 represents both a celebration of the resilience that has carried community banks through two decades of change and a strategic planning opportunity for the challenges ahead.
2025 Fair Lending OutlookNavigating Compliance in a Changing Enforcement Landscape
7/30/2025
Fair lending compliance is once again in flux. President Trump’s second administration has brought new priorities and raised questions about the direction of enforcement across federal agencies. Read more...
2025 ALM IRR Modeling Tool: Streamline Asset-Liability Management
7/28/2025
We are observing that accuracy in ALM modeling has become an increasing focus area for many of our financial institution clients. Model accuracy is especially important to those using their ALM models...
What Community Banks Must Know About the Fed's Interest Rate Policy
7/15/2025
The Federal Reserve’s monetary policy continues to shape the financial landscape, with community banks feeling the impact most acutely. As of June 2025, the Fed has held the federal funds rate steady at 4.25%–4.50% for the fourth consecutive meeting.
CFPB's Regulatory Shake-Upand States Ramp Up Consumer Protection Efforts
6/25/2025
Did you hear about CFPB's announcement of the withdrawal of 67 regulatory guidance documents? The potentially withdrawn documents impact a multitude of consumer protection laws including CFPA, FCRA, FDCPA, ECOA, TILA, EFTA and MLA and UDAAP interpretations. As we take time to digest this news, a key question arises: How will this affect prudential regulators?
BankChat 2025: Saltmarsh Financial Institutions Takes NashvilleCommunity Bank Risk Professionals Training Event Highlights
5/2/2025
Our annual community bank event, BankChat 2025, in Nashville, brought together over 100 community bank risk professionals and subject matter experts to explore the latest industry challenges and opportunities. From navigating regulatory changes to embracing technology and innovation, this year's BankChat was a must-attend event!
Past Posts By Category
- BankTalk 2027
- Construction Financing is Facing Headwinds on Multiple Fronts
- ACH Risk Assessments
- ACH Reviews & Audits: NACHA Compliance Services for Financial Institutions
- Nacha Excused Delays: ACH Rules for Hurricanes & Unexpected Disruptions
- ACH Risk Assessment Guide for Nacha Compliance & Fraud Risk Management
- How Often Should You Conduct an ACH Risk Assessment?
- Best of BankTalk 2026: Trends, Takeaways & Togetherness
- BankTalk 2026: Who Is It For & What Can You Expect?
- ODFI Responsibilities in ACH Originator Onboarding: Compliance, Risk, & Security
- Agile Internal Audits: Bringing Speed and Flexibility to Financial Institutions
- IRS Releases FAQ on Paper Check Phase-Out
- OCC's New CRA Strategic Plan Proposal
- FAQs: Working with Saltmarsh's Financial Institution Advisory Team
- What the FDICIA's Part 363 Threshold Updates Mean for Banks
- Leading ALM & IRR Management: Best Practices for Financial Institutions
- Celebrating 20 Years of BankTalk
- Celebrating Excellence in Financial Institutions Consulting
- Proposed FDICIA Rule Could Eliminate HUD Audit
- BankTalk 2025: Who Is It For & What Should You Expect?
- 2025 Fair Lending Outlook
- 2025 ALM IRR Modeling Tool: Streamline Asset-Liability Management
- What Community Banks Must Know About the Fed's Interest Rate Policy
- CFPB's Regulatory Shake-Up
- BankChat 2025: Saltmarsh Financial Institutions Takes Nashville
- View All Posts
