Regulatory

Our attorneys are at the forefront of regulatory review and monitoring, providing advice and guidance to our clients with respect to compliance with federal and state laws and regulations affecting the financial services industry. Our banking group includes attorneys who have represented community and regional banks in a general counsel capacity, with extensive experience in matters involving the regulation of financial institutions, including the Bank Secrecy Act, U.S.A. Patriot Act, OFAC sanctions programs and corporate governance.

Today's monetary world has moved away from the exchange of coins and paper money to a fast swipe of a credit card and computerized online banking. Electronic banking has allowed consumers to instantly process deposits, payments and other transactions. This advanced technology brings an ever changing and increasingly complex regulatory and technical environment, creating need for legal counsel that understands the laws and regulations governing evolving technology such as Electronic Funds Transfers, ACH transactions, Automated Sweeps, electronic deposits, substitute checks, and bank deposits and collections.

Our attorneys are experienced in both commercial and consumer finance. Our commercial finance attorneys regularly handle real estate and asset based finance transactions, acquisition and construction loans, receivables and inventory financing, and transactions involving international trade and Letters of Credit.  Our consumer finance team is well versed in consumer regulations under the Truth in Lending Act (“Regulation Z”), Equal Credit Opportunity Act (“Regulation B”), Fair Debt Collection Practices Act, Truth in Savings Act, the Gramm-Leach-Bliley Privacy Act (“GLBA”) and Real Estate Settlement Procedures Act (“RESPA”). Our attorneys regularly consult with regulators, including the FDIC, OCC and Consumer Financial Protection Bureau concerning the interpretation and implementation of banking regulations, as well as resolution of consumer complaints, and provide advice and guidance to our banking and other financial services clientele.

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To contact your closest G|R Office call 800-338-3381

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