We prepare requests to regulatory agencies in connection with innovative business proposals and issues of first impression. We assist clients in preparing comments on federal and state regulatory proposals. We prepare and process applications to federal and state bank, insurance and securities regulatory agencies for required approvals to complete bank and bank holding company reorganizations, mergers, bank and nonbank acquisitions, changes in control, stock issuances and other corporate transactions. We represent banks and their affiliates in regulatory cease and desist, prompt corrective action, civil money penalty, and similar proceedings. We also represent client banks and their directors and officers in contested regulatory examination and enforcement matters and appeals before federal and state regulatory agencies.