Financial service providers face a growing patchwork of regulations at both the state and federal levels. We advise clients on compliance with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) rules, Know Your Customer (KYC) policies, and OFAC requirements. Our team also assists with fair lending obligations under ECOA and the Fair Housing Act, as well as consumer protection rules under TILA, RESPA, TRID, and UDAAP standards. We conduct internal audits, train staff, and prepare responses to CFPB, FDIC, OCC, and state regulator inquiries. We draft and revise internal policies, compliance manuals, and lending procedures to reflect changes in law. Our attorneys also advise on regulatory aspects of deposit agreements, online banking platforms, and emerging fintech products. We help clients prepare for and respond to examinations, mitigating enforcement risk and supporting a culture of compliance throughout the organization.
