The business of banking and financial services remains one of the most highly regulated industries in the country. The collective experience of our lawyers enables us to assist clients seeking to take advantage of the expansion of bank powers to offer new securities and insurance products. We provide counsel in traditional regulatory matters such as the formation of new entities, the raising of capital, the acquisition or sale of financial institutions or their branches, and charter conversions. We prepare applications and regulatory comment letters to the Federal Reserve Board, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, and other federal and state agencies. We have represented a number of financial institutions establishing and expanding insurance sales programs throughout the country, offering advice as to ongoing compliance with insurance, banking, and securities requirements on the state and federal levels. When necessary, we negotiate formal or informal enforcement agreements and advise management as to their responsibilities related to such undertakings.