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Regulatory Examination and Enforcement

Financial institution regulatory examinations often go awry, whether due to changes in the regulatory environment, communication issues between examiners and executives, or operational risks or mis-steps. Navigating the regulatory examination process can often be assisted with counsel who see the regulatory exam process from the vantage of a number of institutions throughout the country. The contacts and experience necessary to resolve disputes informally is vital to efficiently getting back to business.

With over 30 years of experience with regulatory examinations and with the NCUA and state regulators, SW&M can assist in advising management and Boards of Directors regarding the ever-changing regulatory environment, current trends in examinations, and responses to conflicts with examiners. SW&M has helped financial institutions navigate to successful conclusions in a number of appeals of CAMEL ratings, merger denials, letters of understanding and agreement, preliminary warning letters, documents of resolution, cease and desist orders, civil penalties, forbearance requests, and other regulatory actions.