Jacque Kruppa Quoted in Bank Director on Upcoming Changes in Community Banks

Bradley attorney Jacque Kruppa was quoted in Bank Director about how U.S. regulators are changing the way they examine smaller community banks. The goal is to reduce paperwork and make the rules more proportionate to a bank’s size and risk.

Smaller banks often feel weighed down by the cost‑both time and money‑of meeting extensive regulatory exam requirements. “It is a significant management burden. It’s a significant financial burden,” Kruppa said. “It’s a common reason we hear for banks that want to sell. They’re just tired of the regulatory burden.”

It may take time for those actions to trickle down to bank supervisors, Kruppa added. But banks should monitor the changes from Washington, she said. There’s plenty to keep track of. Regulators are proposing to use “matters requiring attention,” which can be a precursor to tougher actions, only in cases where there are material financial risks.

For banks who do get in trouble, the FDIC’s new standard releasing them from consent orders once they’re in “substantial compliance” could help them expand sooner. 

The standard has recently been “almost perfection.” And if banks have effectively met the mark, they can get back to their “fundamental blocking and tackling” quicker, she said.

“That’s positive for the banks. It’s positive for the communities they serve, and it’s positive for our economy as a whole,” Kruppa explained.

The full article, “Community Bank Exams Are About to Change,” was published by Bank Director on Oct. 31, 2025. (login required)