Robert L.

Carothers, Jr.

Rob advises banks and other financial institutions on a wide range of regulatory matters. This includes assisting clients with compliance with federal and state banking laws and regulations (e.g., Truth in Lending Act (TILA)/Reg Z, Real Estate Settlement Procedures Act (RESPA), TRID, Bank Secrecy Act (BSA), Fair Debt Collections Practices Act, Community Reinvestment Act (CRA), mortgage origination/servicing rules, privacy rules, as well as many others). He also has experience assisting bank clients with data breach issues. He works with clients to prepare for regulatory examinations and counsels them on issues that arise during the examinations process, including negotiating proposed enforcement actions.

He has significant experience working with banks in the mergers and acquisition process, including buy-side and sell-side representation (he has worked on more than 20 transactions during his career). As part of the M&A process, he works closely with clients to assist with due diligence, negotiation of key agreements, guiding clients through the regulatory applications process, drafting proxy statements, and other matters that arise during the process. He has worked with clients to deal with unique issues that arise with respect to in-market mergers, including working with the Department of Justice.

He frequently works with bank clients on various types of regulatory applications, including bank holding company formation applications, branch applications, main office relocation applications, Change In Bank Control applications, and charter conversion applications. He has also worked with investor groups to charter de novo banks.