Carl leverages his experience as a lawyer with the Office of the Comptroller of the Currency to resolve financial institutions’ most complex regulatory and enforcement matters. He also counsels financial institutions on mergers and acquisitions and securities offerings.  

Carl’s close collaboration with seasoned bank examiners on the supervision of problem institutions assigned to the OCC’s Special Supervision unit, as well as his role with multiple rulemakings under the Dodd-Frank Act, give him a unique, insider’s perspective on bank regulatory compliance, supervision, enforcement and public policy. Coupled with his investigative and enforcement experience acquired representing financial institutions before the CFPB, OCC, FinCEN, Federal Reserve, the FDIC and others while serving in the Financial Institutions group of a Washington, DC law firm, and corporate experience in mergers and acquisition and securities offerings, Carl is uniquely qualified to advise financial institutions on virtually all aspects of their operations.  

Carl is a member of the Banking Law Journal Board of Editors and  a recognized contributor to the latest edition of The Law of Financial Institutions, one of the leading banking law textbooks. He also authored Practical Law’s Q&A summary of financial institution regulation in Texas, New York, New Jersey, and Virginia. His pro bono practice focuses on representing foreign nationals in US courts in cases brought under the Hague Convention on the Civil Aspects of International Child Abduction.

Bar Admissions

Education
JD, New York University School of Law, 2010

BA, Rice University, 2004

• Simplifying Capital For Community Banks, The Banking Law Journal
• Practical Law’s summary of New York banking law
• Practical Law’s summary of Texas banking law
• Practical Law’s summary of New Jersey banking law
• Comment Letter on FDIC’s Reciprocal Deposit Letter Rulemaking
• Regulation O – Rebutting a Presumption of Control, The Banking Law Journal
• The CRA Revamp Is Here: Was It Worth the Wait?, The Banking Law Journal
• Practical Law’s summary of Virginia banking law
• ICBA: Fintech Strategy Roadmap
• Bank Failure Highlights Related Claim Issues, State Law Considerations, In Directors and Officers Insurance Claims, Journal of Bankruptcy Law
• United States (Chapter), The Financial Technology Law Review, Edition 4
• Who Owns It Anyway? Implications of the Beneficial Ownership Requirements on Structuring Real Estate Transactions, Real Estate Finance Journal
• United States (Chapter), The Financial Technology Law Review, Edition 3
• Treasury Department Issues Final Rule on Beneficial Ownership Reporting Requirements Under the Corporate Transparency Act, The Journal of Federal Agency Action, Volume 1, No. 2