Practice Focus

Beth DeSimone practices in the corporate and financial institutions areas. She advises on all aspects of financial regulation.

Ms. DeSimone structures and negotiates mergers and acquisitions of, and investments in, financial services companies. She also focuses on establishing new financial institutions and nonbank subsidiaries and assisting institutions in strategic planning and charter review. In addition, she drafts and reviews necessary corporate documentation and regulatory applications for all types of financial entities and transactions.

Ms. DeSimone also concentrates in the consumer banking area. She structures lending and deposit programs for banks and financial services companies, including lending programs that facilitate the exportation of interest rates from one state to another. She negotiates business alliances to expand consumer product and services opportunities to new customers, using new technologies. She also assists in structuring and resolving issues associated with card products and alliances of all types, including international remittance cards, payroll cards, government benefit cards, health savings account cards, gift cards, and other prepaid card products. Ms. DeSimone is a regular contributor to the blog on consumer marketing legal issues, www.consumeradvertisinglawblog.com.

Ms. DeSimone assists in resolving regulatory issues arising under mortgage and other lending activities, including those arising under the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, and the Truth in Lending Act, and assists clients in monitoring the effectiveness of their fair lending programs.  She assists clients in monitoring proposed legislation and regulation and in understanding the implications of regulatory change.