Regulation of Financial Institutions

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For more than a century, Dickinson Wright’s banking and finance attorneys have provided insightful legal advice to financial institutions of all sizes regarding the government regulation of their structures, activities, and transactions. The experience and judgment of our attorneys can make a critical difference to our clients as they navigate the multifaceted effects of such regulation. 

Our Clients


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.

Our Team


During the financial crisis and recovery, our banking and finance attorneys actively engaged with our clients concerning the challenges and opportunities afforded by new regulatory action and legislation, including the various emergency programs of the Federal Reserve, Federal Deposit Insurance Corporation (FDIC), and U.S. Treasury, the Dodd-Frank Act, and its evolving regulatory implementation and legislative modification.  With the onset of the Covid-19 pandemic, we have advised our clients on the emergency liquidity programs of the Federal Reserve, the various loan programs and other financial relief authorized by Congress, as well as the supervisory response to the pandemic.  As always, our team provides timely legal analysis and insight to enable our clients successfully to meet the altered regulatory and competitive environment.

Our Services

We counsel our clients on a wide range of issues related to 
government 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

  • Corporate transactions, such as securities offerings and mergers and acquisitions

  • Affiliate transactions 

  • Effects of new laws, regulations, and policies 

  • New financial products and services 

  • Conflicts with regulators, regulatory investigations, and enforcement proceedings 

  • Operational matters, including agreements with customers and others 

  • Commercial lending and related products, such as derivatives 

  • Consumer credit and retail financial services 

  • Bank Secrecy Act and money laundering 

  • Clearinghouse and payment system issues

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