Experts in Financial Services Regulation

Representative Experience

Bank Regulation
and Payments

  • Advising Big Three (MBB) consulting firms on reciprocal deposit arrangements, interest-rate restrictions, and related regulatory issues relating to the Liquidity Coverage Ratio (LCR).

  • Advising private equity firms on regulatory and transactional matters related to de novo bank investments.

  • Representing financial institutions in transactions requiring regulatory approvals from U.S. federal and state regulators.

  • Advising foreign banking organizations in drafting U.S. resolution plans and developing recovery strategies.

  • Advising banks on payments issues regarding deposit-access devices, including Automated Clearing House (ACH) and wire-transfer transactions.

  • Representing financial institutions in investigations and enforcement proceedings before state and federal bank regulatory agencies.

and Marketplace Lending

  • Counseling fintech companies on financial regulatory matters, such as licensing and product development, fair lending, and anti-money laundering.

  • Advising on development and implementation of enterprise-level risk management programs and compliance management systems.

  • Assisting fintechs on third-party transactions involving bank-partner agreements, servicing agreements, and asset purchase and sale agreements (including contracts involving "true lender" risk).

Blockchain, Virtual Currencies, and Money Services Businesses

  • Advising companies on regulatory frameworks applicable to virtual currencies and blockchain.

  • Assisting digital asset firms in obtaining state money transmitter licenses and structuring partnerships with banks and other ecosystem players.

  • Providing strategic advice to venture capital funds investing in initial coin offerings (ICOs).

  • Advising U.S. retailers on financial regulations and contract issues related to retail acceptance of digital currencies.