Where the largest banks, the broad industry, and the community banks line up — and where the seam between them splits. Three trade voices read across each policy question, sourced to their own filings. The surprise of this cycle: they agree more than the fault-line story implies.
BPI · universal, regional & major foreign banks ABA · all banks, large-weighted ICBA · community banks·— issues
Sourced · Phase 1. Positions are drawn from each association\u2019s own comment letters, testimony, and statements (2024\u20132026); tap any issue for the underlying citations. Four of the eighteen cells are marked directional — the orientation is established but a specific primary source wasn\u2019t retrieved (BPI on credit-union tax and §1071; the ABA on ILCs; ICBA on Basel). Alignment verdicts remain an editorial reading; joint-letter flags are hard, co-signed signals. Current as of late May 2026.
Alignment
Category
Salience
BPI
Bank Policy Institute
ABA
American Bankers Association
ICBA
Independent Community Bankers
Alignment spectrum Aligned — same direction, shared asks Partial — same direction, different emphasis Divergent — different priorities, not head-to-head Opposed — on opposite sides of the fault line
SignalsJoint a co-signed filing exists among the named trades — a hard alignment signal cell backed by retrieved primary sources (tap the issue for links)directional orientation established, specific primary source not retrieved