The financial services industry as well as other sectors of our economy—already faced with enormous economic challenges, a shifting marketplace and renewed congressional
oversight—must also contend with the ramifications of a complex
and changing regulatory environment.
The banking industry and other sectors find themselves under
the jurisdiction of a multiplicity of federal and state agencies,
as well as a variety of complex and often conflicting regulatory
Debate continues on the degree to which the regulatory structure
itself must be reformed.
Financial institutions struggle to adjust to the trends
toward greater competition resulting from deregulation and competing
pressures for the re-regulation of certain financial sectors.
Federal and state authorities continue to debate whether increased
safeguards should be required to help protect against future
- The trends that are readily apparent with respect to financial
institutions are also present regarding important issues that
affect other businesses and individuals.
about, analysis of, and compliance with federal and state regulations
are vital services offered by Timothy D. Naegele & Associates
to its clients.
that end, we have maintained working relationships with regulatory
staff charged with overseeing financial institutions and other matters;
served as a liaison with individual agencies from the moment a problem arises,
or a transaction is first conceived until final approval; and taken
care of all necessary follow-up activity.
area of our continuing regulatory expertise involves the Anti-Tying
Provision of the Bank Holding Company Act Amendments of 1970. Timothy
D. Naegele's latest in-depth law review
article—the third in a series of his articles discussing the
law that he wrote when he served as counsel to the U.S. Senate
Committee on Banking, Housing, and Urban Affairs—has been
published in the Banking Law Journal, and it addresses the regulatory
environment pertaining to the Anti-Tying Provision. A shorter
article on the subject has been published in the American Banker.
See our Published
Articles on the subject.
D. Naegele & Associates also appears before federal and
state agencies in connection with banking and other matters, including
the representation of mortgage banking clients before the Department
of Housing and Urban Development.
stand ready to assist you.