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Pryor Cashman’s Banking and Financial Institutions Groups have extensive experience in dealing with bank regulatory and administrative issues that arise on a regular basis for the firm’s clients. Our bank regulatory practice includes the representation of financial institutions and institution-affiliated parties before all of the numerous state and federal banking agencies, including:

• Federal Deposit Insurance Corporation
• Federal Reserve Bank of New York
• Federal Reserve Board
• New Jersey Department of Banking and Insurance
• New York State Department of Financial Services (f/k/a N.Y.S. Banking Department)
• Office of the Comptroller of the Currency

Pryor Cashman’s bank regulatory experience includes the federal and state supervision and examination of federal and state-chartered commercial banks, savings banks, savings and loan institutions, and foreign banks. Our services include:

• Advising on corporate governance issues
• Advising on interstate banking and branching statutes and regulations
• Forming holding companies and providing advice on their structure and reorganization
• Implementing charter conversions
• Negotiating formal and informal agreements in connection with proposed or threatened enforcement actions and counseling senior bank officers and board members on their compliance with the terms of these agreements
• Obtaining approvals for new branches and authorizations to engage in bank-related activities
• Obtaining charters and licenses for new banking organizations and thrift institutions
• Offering direction on new product development
• Offering guidance on capital infusions and regulatory capital compliance
• Providing counsel in capital-raising efforts and bank securities regulation and compliance
• Providing guidance on transactions with affiliated entities and persons
• Representing clients in pre-enforcement investigations by regulatory authorities