Major banks and other financial institutions across the country have sought counsel from Cummings & Lockwood to ensure compliance with Connecticut and federal banking and lending regulations.  Our Group assists Connecticut and out-of-state financial institutions in a broad range of regulatory-related matters which entail:

• Representation before state and federal bank regulators, the Federal Reserve Board, the FDIC, the OCC and the State Banking Commission.
• Advice concerning the establishment of offices in Connecticut.
• Advice with respect to capital adequacy requirements and off-balance-sheet treatment of particular loan structures.
• Counsel regarding federal and state consumer protection laws, such as truth-in-lending, RESPA and mortgage lending and licensing.