Regulatory Matters

Robinson+Cole’s Financial Institutions Regulatory Group works closely with lawyers in related practices to provide integrated client solutions and support on matters ranging from Mergers & Acquisitions transactions to regulatory enforcement actions and countering technology-driven threats to the financial services industry.

The regulatory areas in which we counsel financial services providers include, but are not limited to, the development and documentation of loan and deposit products, compliance with consumer protection laws and regulations, financial privacy, and financial services cyber-compliance.
•    development and documentation of loan and deposit products 
•    permitted investments and activities 
•    branch, "limited branch," and trust office applications 
•    compliance with consumer protection laws and regulations 
•    payment processing, virtual currency and anti-money laundering matters
•    operational issues such as check clearing, branch closing, lending restrictions, and trust powers
•    fair lending 
•    development of NYDFS-compliant cybersecurity policies
•    financial privacy 
•    licensing 
•    fintech and emerging financial services matters
•    financial services cyber compliance

We regularly deal with issues arising under various  federal and state laws, including the following federal Acts:
•    the Gramm-Leach-Bliley Act
•    the Truth in Lending Act
•    the Real Estate Settlement Procedures Act
•    the Equal Credit Opportunity Act
•    the Home Mortgage Disclosure Act
•    the Fair Credit Reporting Act
•    the Fair Debt Collection Practices Act

Our lawyers have a broad background in dealing with state and federal regulators. We counsel banks, insurance companies, mortgage companies, and other financial service providers on numerous regulatory and operating issues and frequently represent them before regulators.