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Unlike
other law firms, SF&T has partners that were former
federal banking and securities regulators.
Because of their vast experience, SF&T has
been on the cutting edge in regulatory applications (e.g., the
first “mutual” national bank and state-chartered credit
union to thrift charter conversion), regulatory interpretations
(e.g., capital, legal lending limits, affiliated transactions,
and loans to insiders), the negotiation of enforcement documents
(e.g., cease and desist orders, civil money penalties,
memorandum of understanding, and supervisory agreements), as
well as the preparation of responses to supervisory issues,
including those raised by Reports of Examination.
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