Consumer Tips - July 2015


Buying your first home is one of the most exciting, and often overwhelming, experiences of your life. If properly educated about the process and prepared for each step you will need to take, this can be not only manageable but also enjoyable. No matter your age or stage in life, becoming a homeowner is a huge milestone. Below are tips to help guide anyone looking for their first home.

Read complete tips here.

Flood Rule


In a joint rule, the regulatory agencies implemented provisions of the Homeowners Flood Insurance Affordability Act of 2014 (HFIAA) related to requiring escrow for flood insurance payments and exempting certain detached structures from the mandatory flood insurance purchase requirements.

FDIC Banker Outreach


The Independent Bankers Association of Texas and the Texas Bankers Association have partnered with the FDIC to provide this important update on current and emerging banking issues. Breakout sessions are tailored for directors, risk management staff and consumer compliance staff. Attendees will be provided with resource materials for future reference.

Operations Compliance


The operations side of the bank is facing increasing challenges. Technology is driving more products, but creating new security and compliance burdens. Innovative products are bringing in more non-interest income, but also raising regulatory concerns. And non-bank agencies continue to poke around in bank records and operations!

New this year!
The Summit has added a panel of experts to conduct a case study concerning Cyber Security & Disaster Recovery.

Topics Include:

IBAT Career Center


Are you looking to add new members to your team? Between today and July 31, enjoy 20% off the posting of job openings in the IBAT Career Center. To receive the discount, log in to the Career Center and enter discount code “SUMMER20” at checkout. 

In addition to receiving 20% off, we’ll highlight your job posting in the month ahead. When open positions at IBAT member banks are posted in the IBAT Career Center, they will be featured in the Bottom Line



In a case involving the allocation of housing tax credits in predominantly black and predominantly white neighborhoods by the Texas Department of Housing and Community Affairs, the United States Supreme Court held that “disparate-impact claims are cognizable under the Fair Housing Act.” Although this case didn’t involve fair lending, it would be difficult to distinguish the court’s ratification of disparate-impact theory of liability in fair housing cases from its current use by regulators in fair lending.

Register Today

We are pleased to announce that registration is now open for IBAT’s 41st Annual Convention. For the first time in more than 30 years, the event will take place at the Galveston Island Convention Center, September 19-22. A detailed brochure about this event will be in your mailbox in the coming days. In the meantime, you may download a PDF here.

This year’s Convention is packed with educational and networking opportunities, including:


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