Who we help

RegTech builders increasingly ship products powered by AI and agentic systems that interact with regulatory texts, decision logic, and live operational data. We bring deep domain expertise in financial regulation to those efforts: curating high-quality training data and knowledge bases, reviewing architecture choices and prompting strategies, evaluating outputs for regulatory accuracy, and surfacing the failure modes specific to working with legal and regulatory content. We also help product teams understand customer needs, communicate capabilities to compliance and risk audiences, and...

We provide comprehensive legal counsel to banks ranging from community institutions to the largest national and regional banks, as well as specialized trust, wealth management, and employee benefits institutions. Our services span regulatory compliance and examination support, licensing and charter applications, M&A transactions, and public policy advocacy before Congress and federal banking regulators. Capital Analysis: We assess treatment of assets, instruments, and transactions under bank or GSE capital rules. Consumer Compliance: We assist clients with compliance matters on a variety of...

Financial services trade associations have been a core focus of our practice for over half a century. The firm has served as outside counsel to over a dozen leading industry trade associations, as well as numerous issue-focused coalitions. Several of the firm's senior lawyers worked in-house at trade associations prior to joining the firm. We provide trade associations with legal counsel on federal banking, consumer finance, and housing policy matters. Our work includes drafting and editing comment letters to regulators such as the OCC, Federal Reserve, CFPB, FDIC, Treasury, FHFA, and HUD, as...

We support in-house government relations and public affairs teams with substantive legal analysis on financial regulatory and legislative matters. Our work includes analyzing proposed rules and legislation, drafting comment letters and position papers, and providing strategic guidance for engagement with federal regulators and Congress. Services we provide to government relations teams include: Agency Challenges: We provide technical legal advice and strategic counsel to clients who are contemplating or pursuing challenges to agency actions. Bill and Rule Analysis: We provide analysis of...

Our fintech work spans regulatory, strategic, and policy engagements for a diverse range of payment ecosystem participants and digital lenders. Our lawyers have experience working with both traditional and innovative institutions, including: retail and commercial payments and lending fintechs (including buy-now-pay-later providers), fintech banks and neobanks, prepaid program managers and issuers, money transmitters, finance companies, crypto and digital asset service providers, payment processors, payment system infrastructure operators, and payments and credit units of technology companies....

Capitol FinLaw has deep roots in mortgage finance policy, with experience spanning origination, servicing, insurance, and securitization issues. Clients include mortgage lenders and servicers, mortgage and property insurers, service providers, credit reporting agencies, and industry trade associations. Services we provide to mortgage clients include: Consumer Compliance: We assist clients with compliance matters on a variety of federal banking and consumer financial services laws including TILA, RESPA, HMDA, FCRA, CRA, privacy, fair lending, compliance management, and UDAP/UDAAP. Impact...

We partner with policy consulting firms to deliver legal analysis on financial services regulatory and legislative matters. Our work includes written legal analysis on legislation and regulation, preparing regulatory comment letters, drafting legislative amendments, and participating in client calls and meetings on policy issues. Services we provide to public policy consulting firms include: Bill and Rule Analysis: We provide analysis of legislative proposals and regulatory rulemakings, as well as summaries and analysis of comments submitted by other stakeholders. Congressional Testimony: We...

Insurance companies that participate in federally regulated banking and housing activities operate at the intersection of state insurance regulation and federal financial regulation. We advise insurance company clients on the federal banking, housing finance, and consumer protection rules that apply to those activities, including their obligations under federal supervisory frameworks. Our work spans regulatory advice, comment letters and legislative advocacy on federal proposals affecting the sector, and transaction support for activities that touch federally regulated functions. Services we...