Bank Regulatory

Banks, bank holding companies and financial institutions face a complex mix of federal and state statutes and regulations along with increasing competitive challenges. At Mitchell Williams, our team of bank regulatory lawyers have comprehensive experience, in-depth knowledge and the sophisticated understanding needed to help financial institutions navigate the highly regulated banking environment to achieve their business goals.

Our bank regulatory team has years of experience developing strong relationships with bank regulators in Arkansas. We have cultivated an excellent reputation among regulators for our responsiveness and thoughtful approach to advocating for our clients and when representing our clients in contested regulatory matters.

Our extensive experience uniquely positions our team to provide strategic, comprehensive legal counsel to our financial institution clients. Our services include:

  • Comprehensive counsel on local regulations related to banking, securities, derivatives, futures, commodities, stock exchange matters and other financial products and transactions.
  • Structure and document regulated transactions
  • Prepare, submit and negotiate regulatory applications and notice filings
  • Resolve complex management issues that stem from corporate transactions
  • Advise in matters of corporate governance and oversight,
  • Transactions with affiliates
  • Internal review
  • Risk management
  • Management succession to boards and board committees

We advise clients with respect to the Troubled Asset Relief Program (TARP), Term Asset-Backed Securities Loan Facility (TALF) and the implementation of the Dodd-Frank Act including the impact of the Dodd-Frank Act on capital requirements, portfolio investment activities (Volcker rule), derivative investments, consumer lending and the implications of regulation as a Systemically Important Financial Institution (SIFI). We also advise clients on the regulatory application and review requirements under federal and state laws including:

  • Bank Holding Company Act
  • National Bank Act
  • Change in Bank Control Act
  • Home Owners’ Loan Act
  • Banking Ordinance
  • Securities and Futures Ordinance
  • USA PATRIOT Act