Bank Regulation

Our bank regulatory attorneys counsel financial institutions, insurance companies, insurance agencies, mortgage companies and other financial service providers with all aspects of regulatory compliance affecting their businesses and business transactions. Our extensive experience includes:

• the formation, merger and acquisition of banks, thrifts and trust companies
• the formation, merger and acquisition of insurance companies and insurance agencies
• assisting financial institutions with all aspects of regulatory compliance, including with respect to affiliate transactions, RESPA, FCRA, Reg. O, Reg. Y, Reg. CC and consumer privacy
• assisting insurance companies with all aspects of regulatory compliance and regulatory filings, including investment law compliance, privacy law compliance and Form A and Form D filings
• establishing bank/insurance affiliations, including all aspects of insurance agency formation, agent and agency licensing and regulatory compliance
• counseling boards of directors regarding fiduciary duties, committee functions and executive and board compensation
• advising financial institutions and insurers with respect to BOLI and COLI programs
• counseling financial institutions with respect to the receipt of 12b-1 and shareholder service fees
• representing financial institutions and insurance companies in trust preferred securities offerings
• assisting financial institutions and insurance companies with regulatory relationships and communications in connection with examinations and enforcement and supervisory activities

Representative Clients

• Residential Finance Company
• FC Banc Corp.
• Farmers Citizens Bank