The Iowa Banking Law Blog, published by Dickinson, Mackaman, Tyler & Hagen, P.C., focuses on legal issues affecting banks and financial institutions in Iowa. It covers topics such as banking regulatory compliance, credit agreements, payment fraud, lender liability, mergers and acquisitions in the banking sector, and the impact of emerging technologies on banking law. The blog also discusses recent court decisions relevant to banking, federal regulatory developments, and practical guidance for banks navigating changes in the financial services industry. It serves as a resource for legal professionals and banking industry stakeholders seeking updates and analysis on Iowa banking law and related regulatory matters.
The Conference of State Bank Supervisors (“CSBS”) recently released its AI Supervisory Framework. The new guidance offers tools for state examiners to use when examining banks’ implementation of AI tools.
The guidance includes a risk-tiering worksheet for banks to…
From AI agents to stablecoins, technology is rapidly reframing what banking looks like. At the same time, banks need to balance price stability, independence, and credibility in a world marked by geopolitical tensions and fragmented markets.
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On April 10, 2026, the FDIC finally officially rescinded its 2022 guidance on representment NSF fees. The prior guidance required financial institutions to identify and refund improperly charged NSF fees. In rescinding the guidance, the FDIC acknowledged what had long…
Banks are already facing the prospect of competing for deposits with issuers of stablecoins. A new report suggests that allowing stablecoins to offer yield may not have an impact on banking lending. Stablecoin issuers offering yield on funds held as…
Artificial intelligence (“AI”) tools are expanding into every aspect of consumers’ daily lives. That proliferation has the potential to dramatically increase bank liability under the Electronic Funds Transfer Act (“EFTA”) and Regulation E.
The consulting firm McKinsey & Company recently…
The banking industry continues to be buffeted by change. The current regulatory environment presents opportunities. However, new challenges are on the horizon in the form of new competitors and disruptive technologies. Banks are resilient and have weathered disruption in the past,…
Banks are aware of the scourge of payment fraud on their institutions and customers. This blog previously covered ways that banks can deal with check fraud and issues to watch out for in electronic fund transfer fraud cases. Even when…
The Iowa Supreme Court, in County Bank v. Shalla, unanimously held that Iowa Code section 535.17 bars negligence and fraud claims against banks. The decision was premised upon the Iowa credit agreement statute of frauds, which provides that a “credit…
Join Dickinson Bradshaw and Forvis Mazars on Wednesday, June 18th for a summer pop-up seminar with the Bank Holding Company Association (BHCA) as we bring together community thought leaders, industry experts, and forward-thinking professionals to explore cutting-edge strategies and tools…
