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      <image:title>Insights</image:title>
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      <image:title>Insights - Evaluating the Federal Reserve's Control Proposal</image:title>
      <image:caption>If you have any questions concerning this chart or would like to submit comments on the Proposal, please e-mail or call your regular contact at The Gallatin Group.</image:caption>
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      <image:title>Insights - Evaluating the Federal Reserve's Control Proposal</image:title>
    </image:image>
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      <image:title>Insights - Evaluating the Federal Reserve's Control Proposal</image:title>
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    <lastmod>2023-04-12</lastmod>
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      <image:title>Insights - The Value of Regulatory Diligence in Fintech Mergers and Acquisitions</image:title>
      <image:caption>Following diligence, the acquirer discovers that aspects of the fintech’s loan servicing operations run afoul of state lending regulations. The acquirer further learns that the fintech target is soon to undergo a state regulatory examination of its consumer lending platform. Based on this information, the acquirer determines that the examination will likely result in a civil money penalty (“CMP”), or civil punitive fine from regulators, against the target. Accordingly, the acquirer makes valuation adjustments to its initial valuation to account for the CMP.</image:caption>
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      <image:title>Insights - The Value of Regulatory Diligence in Fintech Mergers and Acquisitions</image:title>
    </image:image>
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    <lastmod>2018-05-22</lastmod>
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