Regulation of Financial Institutions

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For more than a century, Dickinson Wright’s attorneys have provided expert advice to financial institutions of all sizes regarding the governmental regulation of their structures, activities and transactions. The experience and judgment of our attorneys can make a critical difference to our clients as they deal with the increasing burden of regulation stemming from far-reaching reforms that were adopted as a result of the financial crisis.

We serve a broad range of clients, including holding companies and banks (from community institutions to some of the largest banking organizations in the world) as well as other depository institutions and non-depository lenders. Dickinson Wright’s experienced attorneys help our clients achieve their business objectives in the increasingly complex regulatory environment in which they operate, and assist them in maintaining their relationships with regulators.

During the financial crisis, we actively engaged with our clients regarding the challenges and opportunities afforded by new regulatory action and legislation, including the EESA, ARRA, and the various emergency programs of the Federal Reserve, FDIC, and U.S. Treasury. This included both assisting clients in participating in the TARP, and now advising on their exit from TARP. With the adoption and implementation of the Dodd-Frank Act, our team provides expert analysis and insights to enable our clients to successfully meet the altered regulatory and competitive environment.

We counsel our clients on a wide range of issues related to governmental regulation, including:

  • Chartering new banks and bank holding company formations 
  • Extension of activities through acquisition or de novo expansion 
  • Supervisory issues, such as capital adequacy, board/senior executive functions, actions, and compensation, permitted activities and internal systems compliance
  • Affiliate transactions 
  • Effects of new laws, regulations and policies 
  • New financial products and services 
  • Operational matters, including agreements with customers and others 
  • Consumer credit and retail financial services 
  • Bank Secrecy Act and money laundering 
  • Clearinghouse and payment system issues
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