Schwartz & Ballen LLP provides guidance to clients on a wide range of regulatory and legislative issues that apply to financial institutions. These issues include matters such as risk-based capital, as well as the impact of asset securitization rules on bank capital requirements, Sections 23A and 23B (transactions with affiliates), ACH and wire transfer rules, anti-money laundering compliance, customer identification programs, Fair Credit Reporting Act and FACT Act matters, USA PATRIOT Act compliance, the Unlawful Internet Gambling Enforcement Act, the Telemarketing Sales Rule, and privacy and data security breach requirements under the Gramm-Leach-Bliley Act, as well as under state law.

Our practice includes guiding clients through the bank chartering process, obtaining federal deposit insurance coverage, securing approval for bank mergers, developing new products and services in compliance with applicable regulatory requirements, addressing potential enforcement matters, conducting internal investigations in connection with regulatory matters and assisting in preparation for bank examinations.

We also represent clients before federal and state bank and thrift supervisory agencies, the Consumer Financial Protection Bureau and U.S. House and Senate committees of Congress in connection with financial services issues.

We are providing guidance to financial institutions in connection with implementation of the Dodd-Frank Act, as well as advising matters raised by the Consumer Financial Protection Bureau.