Schwartz & Ballen LLP is a leading firm on a wide range of financial services and banking issues.  Our depth of knowledge and experience enables us to effectively guide financial institutions through the ever-changing regulatory environment of the digital age.  Our clients rely heavily on our ability to formulate strategy and develop practical solutions to complex legal situations.  We evaluate and address issues arising from new financial products and services and changing legal requirements, and assist in navigating potential regulatory hazards such as compliance with money transmitter laws, money laundering restrictions, anti-tying provisions, rules on affiliate transactions, investment and lending limits, and trust activities.  We are often called upon to help financial institutions and related parties handle examinations by supervisory agencies, and we provide defense from formal or threatened enforcement actions.