Ulmer & Berne provides a full range of legal services to its clients in the financial services industry. The Firm brings to bear decades of banking experience and exceptional depth and breadth of financial services regulatory expertise. Our clients include domestic and foreign banks, bank holding companies, savings associations, credit card and payment system companies, motor vehicle finance companies, industrial loan companies, trust companies, thrift institutions, credit unions, money services businesses, mortgage and other diversified financial services companies. The Firm is particularly experienced in the regulatory and compliance requirements for credit cards, debit cards and other payment products.
Our lawyers advise clients in virtually all areas of compliance with federal and state laws affecting financial institutions, consumer lenders, motor vehicle finance companies, and their holding companies, including the following:
- Help clients to successfully develop and introduce a wide array of new financial products and services including fund transfers, electronic payments, payment processing systems, Internet-based credit programs, credit cards, debit cards, gift cards and prepaid cards, motor vehicle sale assistance programs;
- Assist clients in complying with the full range of financial services laws and regulations, including the Electronic Funds Transfer Act, the Fair Credit Reporting Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Home Mortgage Disclosure Act, as well as the Bank Holding Company Act, the International Banking Act, the USA PATRIOT Act, the Bank Secrecy Act, and many other statues affecting the financial services industry;
- Represent clients before regulatory agencies in response to examination and enforcement proceedings;
- Counsel clients on forming, merging and acquiring full-service and limited purpose banks, savings associations, and holding companies;
- Represent clients in establishing branches, agencies and subsidiaries;
- Develop, review, implement, and maintain compliance policies, procedures, guidelines and programs;
- Assist clients and their affiliates with compliance audits and training before, during, and after regulatory examinations;
- Assist clients with issues surrounding the privacy and security of information and compliance with the full range of federal, state and international information privacy and data management laws and regulations; and
- Provide corporate governance training and strategic planning assistance.