A legal "think tank" on financial services law and regulation.

The law firm of Barnett Sivon & Natter, P.C. specializes in representing financial institutions, financial trade associations, and other parties before federal and state financial regulatory agencies and the U.S. Congress. The firm's lawyers provide clients with regulatory, compliance and policy advice.

 

Our Regulatory Practice - Our regulatory practice includes:

  • Applications – We assist clients with applications related to specific transactions, including corporate transactions and new product approvals

  • Compliance – We assist clients with compliance problems and questions on matters ranging from CRA, HMDA, Regulation 0 (lending to insiders), Regulation L (management interlocks), privacy, and fair lending

  • Expert Witnesses – Members of the firm can serve as expert witnesses in cases involving regulatory and compliance issues, such as trust operations

  • Safety and Soundness – We provide clients with support on safety and soundness issues including Regulation W (transactions with affiliates), capital adequacy, and Regulation Y (holding companies)

  • Comment Letters – We prepare comment letters for clients on regulatory proposals

  • Analysis – We help clients understand the impact of existing and proposed laws and regulations on new or existing products and services

  • Enforcement Actions – we represent individuals and institutions in enforcement actions brought by the federal banking agencies

Our Legislative Practice and Policy Practice

We assist individual financial institutions and financial trade associations on legislative and policy matters. This aspect of our practice includes strategic advice, legislative drafting, the analysis of legislative proposals, and the preparation of testimony for Congressional hearings. During the past twenty-five years, members of the firm have been involved in every major federal financial services law, including the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA), the FDIC Improvement Act (FDICIA), the Gramm-Leach-Bliley Act, the Riegle-Neal Interstate Banking and Branching Efficiency Act, amendments to the Fair Credit Reporting Act, the Housing and Economic Recovery Act of 2008, and the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

 

Publications

Each month, our firm issues an edition of Our Perspectives, a publication on economic trends and financial policy issues. In this publication you can read "The Longbrake Letter", an analysis of economic trends and conditions written by Bill Longbrake, as well as commentary on financial regulation and policy written by members of the law firm Barnett, Sivon & Natter, P.C., a Washington, DC based law firm that specializes in financial services law. If you are interested in receiving this publication, please contact Katie Wechsler: kwechsler@barnett-sivon.com.

We also regularly produce legal analyses for the financial services industry. These analyses include: (i) Understanding FINTECH and Banking Law: A Practical Guide, a book analyzing banking laws and regulations that apply to FinTech, which Jim Sivon and Katie Wechsler co-authored with other experts; (ii) a 2012 law review article, Dodd-Frank Act and National Bank Preemption: Much Ado About Nothing, written by Ray Natter and Katie Wechsler; and (iii) a law review paper on Reforming the Secondary Mortgage Market, published in 2012.

We also write compliance and other background materials for the financial services industry. These include (i) a comprehensive guide to the federal and state regulation of debt cancellation contracts, which we co-authored with the McIntyre Law Firm and which is self-published; (ii) a guide on the establishment and operations of health savings accounts that includes model custodial and trust agreements, which is marketed by the Independent Community Bankers Association (ICBA); (iii) a guide on regulatory requirements relating to loans secured by commercial real estate, also marketed by the ICBA; and (iv) a guide on information security for the Conference of State Bank Supervisors.

 

Our Clients

Our clients are financial services firms, financial trade associations, and individuals who work in the financial services sector. Clients include money center and regional banks, insurance companies, national trade associations for the financial services industry, money service providers, and other non-depository financial services firms. The firm also manages various industry coalitions that focus on compliance and policy issues.

     
Home