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 Theodore J. Dowd II guides clients on a broad range of financial services regulatory matters, including issues surrounding financial technology and innovation. Ted’s extensive experience working in senior roles in federal financial regulatory agencies enables him to provide practical and solutions-oriented counsel to banks on a full spectrum of regulatory issues, including general safety and soundness considerations, permissible activities, structures, and regulatory compliance. Ted has counseled banks, bank holding companies, trust companies, and non-bank financial companies, including those seeking to secure regulatory approvals. He is well-versed in national bank powers, including permissible fintech, cryptocurrency, blockchain, and ancillary activities. Ted has considerable experience managing regulatory implementation of permissible derivatives activities and key Dodd-Frank Title VII regulations. His practice also includes providing sophisticated counsel in the areas of prudential supervision, preemption, visitation, and corporate governance.

Ted’s work with the legal department of the Office of the Comptroller of the Currency, which included serving as acting senior deputy comptroller and chief counsel, allowed him to develop skills spanning the financial sector. He oversaw the agency’s legal and licensing activities and managed legal strategy in some high-profile and complex regulatory matters that shaped the federal banking system. Informed by this experience, Ted helps clients make sense of the complex regulatory regimes that govern their businesses.