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RegFi Podcast

RegFi Episode 57: Opening a Path for New Bank Formations

by Jeremiah Buckley, Caroline Stapleton and Walter Zalenski
February.05.2025

orrick regfi podcast | opening a path for new bank formations with michele alt from the kalros group

Michele Alt joins us to discuss how federal regulators can improve efficiency and transparency in application process for de novo bank charters.

Insight

The CFPB’s Overdraft Proposal: What Financial Institutions Need to Know

by John Coleman, James McGuire, Jeffrey Naimon, Edward Somers, Manley Williams and Walter Zalenski
10 minute read | January.22.2024

The CFPB has proposed a long-anticipated rule targeting overdraft fees. Here are answers to key questions we have received.

Insight

NY Credit Card Securitization Class Action Misuses Madden

by Walter Zalenski
5 minute read | July.18.2019

The U.S. Court of Appeals for the Second Circuit's decision in Madden v. Midland Funding LLC is deservedly notorious.

Insight

OCC Takes the Next Step Toward a Fintech National Bank Charter

by Clinton Rockwell, Jeremiah Buckley, John Kromer, Walter Zalenski and Jeffrey Naimon
December.13.2016

On December 2, 2016, the Office of the Comptroller of the Currency (“OCC”) announced its plans to move forward with developing a special purpose ...

Insight

Behavioral Science for Incentive Compensation Reviews

by Walter Zalenski
6 minute read | November.03.2016

Recent attention in Congress on retail incentive compensation, goal-setting and cross-selling of consumer financial products and services is ...

Insight

More Turbulence for Marketplace Lending - CFPB Prevails in "True Lender" Litigation

by Walter Zalenski, John Kromer and Jeffrey Naimon
September.02.2016

After what seems to be an extended season of heavy weather for marketplace lending, a federal district court in California unleashed a late-Summer ...

Insight

CFPB Releases Outline of Proposed Rule for Third Party Debt Collectors

by John Kromer, Walter Zalenski, Jeffrey Naimon and Marshall Bell
August.02.2016

On July 28, the CFPB announced that it is considering proposing a rule to “overhaul the debt collection market by capping collector contact attempts ...

Insight

Maryland Ruling Opens New Front in Battle Over Bank Partnership Model

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer, Christopher Witeck, Heidi Bauer, Walter Zalenski, Jeffrey Hydrick and Jeffrey Naimon
July.22.2016

On June 23, the Maryland Court of Appeals affirmed a lower court judgment holding that a non-bank entity assisting consumers obtain loans from an ...

Insight

CFPB's Proposed Rule Regarding Payday, Title, and Certain Other Installment Loans

by John Kromer, Walter Zalenski and Marshall Bell
June.06.2016

On June 2, 2016, the CFPB published its proposed rule (the “Proposed Rule”) addressing payday loans, vehicle title loans, and certain other ...

Insight

Key Points in the CFPB’s Outline of Proposed Rule for Third Party Debt Collectors

by Marshall Bell and Walter Zalenski
24 minute read | June.01.2016

On July 28, 2016 the Bureau of Consumer Financial Protection (CFPB) announced that it is considering proposing a rule to “overhaul the debt ...

Insight

Debt Collection and Beyond in 2015

by Walter Zalenski
3 minute read | December.16.2015

In 2015, the CFPB further expanded its reach into debt collection through a number of enforcement actions.

Insight

Second Circuit Will Not Rehear Madden Decision That Threatens to Upset Secondary Credit Markets

by John Kromer, Walter Zalenski and Jeffrey Naimon
August.13.2015

Two months ago we issued a Special Alert regarding the decision of the Court of Appeals for the Second1 Circuit in Madden v. Midland Funding, LLC, ...