Zaitzeff Law, PC represents community banks, bank holding companies, fintechs, and their boards across the full perimeter of federal and state bank regulation. From new product design and BaaS partnership structuring through supervisory examination response and formal enforcement defense, the practice delivers regulator-credible counsel from senior attorneys who have worked inside the institutions you are dealing with.
What we actually do.
Where banking law matters go sideways in Stuyvesant Falls, NY — and across New York.
Matters of Requiring Attention you didn't see coming
MRAs, MRIAs and informal supervisory criticism are easier to manage when counsel can speak to the examiner in their own vocabulary.
Fintech / BaaS partnerships that look great on a slide and fail in due diligence
Third-party risk, BSA/AML, Reg E, fair-lending and oversight obligations have to be designed into the partnership, not bolted on later.
Capital, liquidity and brokered-deposit thresholds creeping up on the balance sheet
Boards need a plain-English read of where the institution sits versus the rules — before the next exam, not after.
Enforcement actions that demand both speed and discipline
Consent orders, civil money penalties and individual liability matters require counsel willing to negotiate hard and document the response with care.
Bring the banking law matter — we'll tell you where it stands.
A short, candid conversation with senior counsel. No retainer required to talk.
How Zaitzeff Law solves it — directly.
Examination preparation and response
Pre-exam readiness reviews, response drafting, and remediation tracking that satisfies supervisory expectations.
Fintech and BaaS partnership architecture
Partnership agreements and oversight frameworks designed to survive third-party risk review.
Charter, control and change-in-bank-control filings
Application strategy and drafting for state and federal regulators, including the Fed, OCC, FDIC and NY DFS.
Enforcement defense
Direct senior representation on informal and formal actions, including individual respondent matters.
What changes the day we engage.
- Regulator-credible counsel that speaks the same language as your examiner.
- Faster, calmer exam cycles and supervisory correspondence.
- Fintech partnerships you can actually onboard.
- Direct senior attention from our Stuyvesant Falls, NY office.
- Integrated handling of capital, liquidity and securities-law issues without referrals.
Questions clients actually ask.
Yes. NY DFS examinations, licensing, and enforcement matters are a regular part of the practice, including for trust companies, money transmitters and BitLicense holders.
Yes. The firm structures and reviews sponsor-bank, BIN-sponsor and deposit-services partnerships for both bank and fintech sides, including BSA/AML, Reg E, UDAAP and oversight provisions.
Yes — in supervisory criticism, enforcement, and CMP matters where individual liability is at issue, subject to conflict clearance.
Yes. Focused, written regulatory opinions are a meaningful part of the practice, particularly for boards considering a new product, partnership or transaction.
The office is located in Stuyvesant Falls, NY, and we regularly counsel institutions across the Northeast, subject to applicable state licensing rules.
Often handled together.
Ready to talk through your banking law matter?
Senior counsel, same-day acknowledgment, and a clear next step — from our office in Stuyvesant Falls, NY.