Regulation & Compliance
Regulatory advice and compliance support for financial services companies
We advise banks, fintechs, mortgage companies and others on regulatory compliance across the full spectrum of consumer protection and prudential requirements. Our regulatory practice covers consumer compliance (TILA, RESPA, UDAP/UDAAP, FCRA, HMDA, fair lending), safety and soundness issues, payments rules, and regulatory change management. We help clients understand the impact of new regulations, build compliance programs, and maintain comprehensive regulatory inventories.
Services provided by the Regulation & Compliance practice include:
Capital Analysis:
We assess treatment of assets, instruments, and transactions under bank or GSE capital rules.
Consumer Compliance:
We assist clients with compliance matters on a variety of federal banking and consumer financial services laws including TILA, RESPA, HMDA, FCRA, CRA, privacy, fair lending, compliance management, and UDAP/UDAAP.
Impact Analysis:
We help clients understand the impact of existing and proposed laws and regulations on new or existing products and services.
Payments Advice:
We advise clients on payments regulation, market structure, and policy, including payment system access, faster payments, and innovative payment products.
Regulatory Inventory:
We build and maintain comprehensive and special-purpose inventories of regulatory content and obligations.
Safety and Soundness:
We provide clients with support on safety and soundness issues including Regulation W (transactions with affiliates), Regulation O (insider lending), capital adequacy, and Regulation Y (holding companies).
Capital, Liquidity & Prudential Standards Bank Powers & Permissible Activities Consumer Financial Protection Payment Systems Preemption & Rate Exportation Privacy & Data Protection Compliance Management Third-Party Risk Management Confidential Supervisory Information BSA CRA CFPA 1033 EFTA ECOA FCRA Regulation O FRA Sections 23A and 23B HMDA RESPA TILA UDAAP/UDAP