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Bank Regulatory

We have a wide range of experience in consumer compliance, including both deposit and credit products as well as electronic fund transfers. Substantive areas covered include:

  • Truth in Lending and Regulation Z
  • Equal Credit Opportunity and Regulation B
  • Electronic Fund Transfers and Regulation E
  • Truth in Savings and Regulation DD
  • Expedited Funds Availability and Regulation CC
  • Fair Credit Reporting
  • Fair Debt Collection Practices
  • Privacy
  • Usury
  • State consumer protection requirements and federal preemption (including rate exportation)
  • Credit insurance and debt cancellation
  • ESIGN requirements

We monitor developments growing out of the Consumer Financial Protection Act of 2010 and the new Consumer Financial Protection Bureau created by the Dodd-Frank Act. Our practice addresses consumer issues in both traditional settings (branches, direct mail and telemarketing) as well as digital commerce. Projects include:

  • Advising clients on regulatory requirements applicable to new products
  • Preparing disclosures and consumer agreements for use in national markets
  • Advising clients on ongoing compliance considerations (such as statement requirements, changes in terms and error resolution)
  • Helping clients address violations, consumer complaints and regulatory inquiries
  • Apprising clients of new regulatory developments