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Bracewell attorneys help banks and financial institutions ensure compliance with the complex mix of state and federal regulations that govern their day-to-day operations. We regularly represent clients in their dealings with regulators, examiners and agencies in states across the country. At the federal level, we work closely with representatives of the Comptroller of the Currency, Federal Reserve Board, FDIC, Office of Thrift Supervision, SEC, FTC and the Department of Justice, among others.

When enforcement actions arise, we balance an effective, aggressive defense of our clients with short- and long-term business goals in order to achieve the most constructive and favorable resolution. We provide guidance on a broad range of consumer lending, non-discrimination laws, privacy rules and other credit related laws. Other typical matters include:

  • Affiliate loans, executive compensation and insider transactions (Regulation O)
  • Asset quality and reserves
  • Lending-limit violations
  • Holding company and subsidiary activities
  • RESPA-related issues, including questions over controlled business arrangements
  • Community Reinvestment Act compliance
  • Policies and procedures
  • Corporate Governance
  • Appeals to agencies' Ombudsman
  • Truth-in-lending, truth-in-savings, deposit disclosure and other consumer-protection issues.