Regulatory

Frazier Law's Regulatory practice group helps clients navigate the federal, state, and local regulatory regimes that shape their businesses and missions.  We counsel and represent clients across two principal areas: financial services regulation and political and government regulation.  Whether the client is a bank facing an examination, a fintech launching a new product, a trade association registering its lobbyists, or a contractor managing pay-to-play exposure, our regulatory attorneys are especially adept at helping clients prepare to meet current and future regulatory obligations.

 

Financial Services Regulation

Frazier Law provides financial institutions, insurance companies, fintechs and insurtechs, and other financial services companies with counseling and representation on regulatory matters relevant to their industries.  We advise clients on a wide array of strategic, licensing, enforcement, compliance management, product, corporate governance, and other regulatory matters.  With significant experience working in and with financial regulators, our attorneys help clients meet today’s expectations and prepare for tomorrow’s.  Our services include:

• Enforcement Actions: Advising clients subject to regulatory inquiries, examinations, and enforcement actions brought by regulatory agencies such as the State and Federal Banking Regulators (OCC, FDIC, and the Board of Governors of the Federal Reserve), State Insurance Departments, the U.S. Department of Justice, State Attorneys General, the Consumer Financial Protection Bureau, and the Federal Trade Commission.

• Regulatory Compliance: Guiding clients through the complexities of regulatory requirements, including under the Federal Trade Commission Act (FTC Act), State Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) laws, the Dodd-Frank Act, the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), the Truth in Lending Act, the Fair Credit Reporting Act (FCRA), the Bank Secrecy Act (BSA), the Electronic Fund Transfer Act (EFTA), federal and state privacy laws, state insurance statutes and rules, and other consumer protection laws and regulations.

• Regulatory Policy: Representing clients before regulators and agencies with interests in policy development, including the National Association of Insurance Commissioners (NAIC) and the Conference of State Bank Supervisors (CSBS).  This includes representing clients in rulemaking processes before administrative agencies, drafting comments, and providing analysis and advice on proposed rules.

• Public Contracting and Procurement: Advising on bid preparation, contract negotiations, and compliance with procurement laws.

• Board Governance and Compliance: Providing representation on or advice to boards of directors in the insurance and financial services sectors on various matters of importance, including acting as board representatives for companies that require an in-state board member.

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Political & Government Regulation

Companies, trade associations, advocacy organizations, and nonprofits that engage with government at any level operate under a dense and overlapping set of compliance regimes.  Frazier Law advises clients on the regulatory rules of the road for political activity, government engagement, and tax-exempt operations—often working alongside our Public Interest & Political Law group.  Our services include:

• Campaign Finance Regulatory Compliance: Counseling corporations, trade associations, PACs, super PACs, and individuals on registration, reporting, contribution limits, source restrictions, and coordination rules under federal and state campaign finance laws, and defending clients in proceedings before the Federal Election Commission and state election regulators.

• Lobbying and Ethics Regulation: Advising on registration, reporting, gift, and ethics rules under the federal Lobbying Disclosure Act (LDA), executive- and legislative-branch ethics regimes, and analogous state and local laws.

• Pay-to-Play Rules: Helping government contractors, investment advisers, broker-dealers, and other regulated entities comply with federal and state pay-to-play rules—including SEC Rule 206(4)-5, MSRB Rules G-37 and G-42, and FINRA Rule 2030—that restrict political contributions by firms doing business with government.

• Foreign Agents Registration Act (FARA): Advising clients on FARA registration determinations, periodic reporting, labeling of informational materials, and inquiries from the FARA Unit of the U.S. Department of Justice.

• Tax-Exempt Political Activity: Counseling 501(c)(3), (c)(4), (c)(5), (c)(6), and Section 527 organizations on the federal tax rules governing political and lobbying activity, including the primary-purpose test, proxy tax, and IRS reporting and disclosure obligations.

• Investigations and Enforcement: Defending clients in investigations and enforcement actions before the FEC, IRS, DOJ FARA Unit, congressional ethics committees, state ethics commissions, and analogous state authorities.

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Why Choose Frazier Law?

Frazier Law offers a personalized approach, blending deep legal expertise with a thorough understanding of the unique challenges faced by financial services companies and by clients engaged in political and government activity.  Our attorneys are dedicated to providing practical, cost-effective legal solutions designed to achieve your goals.

 

Contact us today to learn more about how we can partner with you to navigate the complexities of regulatory law.