Charlie Schmalz talks about policy issues facing community banks in 2019, the persistence of the mutual banking model, community bank technology plays -- and the best place to get Wisconsin cheese curds.

With a powerful personal story and real-world banking experience, Jelena McWilliams is shaking up the FDIC.

In a long-awaited rulemaking, the FDIC today voted to propose that community banks with a leverage capital ratio of at least 9 percent may be automatically considered in compliance with Basel III capital requirements and exempt from the complex Basel calculations.