Regulatory Relations, Compliance and Enforcement

Mr. Heitz helps banks and financial institutions ensure compliance with a myriad of state and federal regulations that govern their day-to-day operations. He regularly represents clients in their dealings with regulators, examiners and agencies in compliance and supervisory issues and other matters involving:

• Strategic ownership issues
• Capital issues
• Crisis management and recovery
• Business and consumer banking
• Branch banking operations, check clearing and funds availability
• Due diligence and adherence to accepted standards of credit analysis, policy and procedure
• Payday lending strategies and related loan policies and procedures,
• Experience in the formation and operations of Credit Services Organizations (CSO’S) under Texas law.
• Consulting support in development of payroll debit card services and overdraft programs
• Organization of de novo banks
• Branch conversions
• Mergers and acquisitions
• Truth-in-lending, truth-in-savings, deposit disclosure and other consumer-protection issues

Assignments include interaction with the Comptroller of the Currency, the FDIC, the Federal Reserve Board, the Office of Thrift Supervision, and various State Banking Departments.