Great article by FDIC Acting Chairman Martin Gruenberg. He addresses climate related risk factors for community banks but cautions folks they are early in the process and the issue continues to evolve. A vast majority of information from regulatory bodies to date relates to financial institutions over the 1 billion in assets, but this article does not place any thresholds on community banks and further suggest that financial institutions consider climate-related financial risks in a manner that allows banks to prudently meet the financial services needs of their communities. I would encourage institutions to take minimal steps to address climate related risk.