

Sadly, two of the pioneers of this conference are no longer with us to celebrate this important 10-year milestone: John Ryan, president and CEO of the Conference of State Bank Supervisors, and Rich Brown, chief economist at the FDIC, both have passed away since the last time we were able to be here together in person. In my view, this gathering has certainly delivered on, and expanded upon, these promises. The conference was also designed to be a forum for multiple stakeholders-researchers, policymakers, and community bankers-to come together annually to share insights and perspectives, all in the interest of better informing current and future research. Simply put, good research leads to good policy, and the decision was made to create a conference that could attract high-caliber research on community banking from all over the world. I'd like to share a few thoughts on how we got here.īack in 2013, in the wake of the financial crisis and the passage of the Dodd-Frank Act, the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC) and the Conference of State Bank Supervisors (CSBS) created this conference, based on the understanding that research plays a vital role in shaping our nation's supervisory and regulatory policy. It's also significant that we're able to be here in person to commemorate the 10th year of these proceedings.

THE CONCEPT OF OVERSIGHT REFERS TO THE EFFORT MADE BY HOW TO
1 While the Federal Reserve learned a lot about how to operate virtually during these past two-and-a-half years of the pandemic, there are certain interactions and discussions that are just better face to face. Louis for this year's research conference. Good morning and thank you, Jim, it's great to be back here in St.

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