The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ushered in an era of regulatory oversight and scrutiny that impacts nearly every segment of the nation's financial services industry. Our Financial Services Regulatory Matters practice group helps clients navigate the maze of regulatory requirements, stay ahead of business-critical issues, and manage compliance effectively.

Our Services

Our lawyers have broad experience dealing with state and federal regulators in transactions. We counsel banks, insurance companies, mortgage companies, and financial service providers on a wide range of regulatory and operating issues. We frequently represent our clients before regulators, in connection with regulatory matters and enforcement actions.

We're here to advise you on federal and state regulations affecting loan origination, loan servicing, licensing, branching, financial privacy, fair lending, and anti-money laundering. We handle the full spectrum of regulatory matters, including:

• Branch, "limited branch," and trust office applications
• Compliance with consumer protection laws and regulations
• Development and documentation of loan and deposit products
• Development of NYDFS-compliant cybersecurity policies
• Guaranty fund and insolvency issues
• IMSA independent assessor reviews
• Licensing
• Market conduct investigations and compliance programs
• Operational issues such as check clearing, branch closing, lending restrictions, and trust powers
• Permitted investments and activities
• Portfolio review
• Product approval

We also help you navigate issues arising under various federal and state laws, including:

• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• Gramm-Leach-Bliley Act (GLB Act)
• Home Mortgage Disclosure Act (HDMA)
• Real Estate Settlement Procedures Act (RESPA)
• Truth in Lending Act (TILA)

Our Team

Our Financial Services Regulatory Matters team collaborates closely with lawyers in our firm’s diverse practice groups, providing integrated solutions for our clients.

We work closely with our Mergers + Acquisitions practice group to help clients take advantage of new market opportunities. Our Capital Markets + Securities practice group assists with securities offerings, securities act filings, proxies and shareholder issues, and exchange and NASDAQ listings.

We also leverage the strength and experience of Robinson+Cole litigators, when our clients need representation in SEC and FINRA enforcement investigations, and before state attorneys general and state regulatory bodies.

In partnership with our Data Privacy + Cybersecurity practice group, our Financial Services Regulatory Matters group also teams up to form the Financial Services Cyber-Compliance practice group. Together, we assist clients in complying with new regulations designed to counter technology-driven threats to the financial services industry.

Our Financial Services Regulatory Matters team will help you skillfully navigate the maze of nationwide regulatory requirements by helping to mitigate risk and to stay ahead of business-critical issues.