Aimee Ezzell advises clients on consumer financial services, credit reporting, and financial privacy. She assists banks, consumer reporting agencies, and their vendors with regulatory, compliance, enforcement, and transactional matters. She has experience with the FCRA, the Dodd-Frank Act, GLBA, DPPA, ECOA, and other federal and state laws and regulations, including state insurance privacy laws and security breach notification requirements.
Ms. Ezzell also practices in the energy regulatory area. She advises both regulated utilities and financial investors on the federal and state regulation of electricity, including obtaining regulatory approval for energy-related transactions, and rate filings.
The Federal Reserve Board released a staff research paper on Monday, December 5, 2016, addressing the potential use of distributed ledger technology (DLT) in payments, clearing, and settlement (PCS) processes. A distributed ledger is a type of database in which identical copies of information are distributed and maintained among multiple parties or multiple nodes in … Continue Reading
On the campaign trail, President-elect Trump said little about his plans for the Federal Trade Commission (“FTC” or “Commission”), but he has a unique opportunity to remake the FTC early in his term, because of an unusual number of Commissioner vacancies, one expired term, and his presidential prerogative to designate one Commissioner as the Chair.… Continue Reading
On August 24, 2016, the Consumer Financial Protection Bureau (CFPB) issued a Notice of Proposed Rule Making that proposed amendments to the CFPB’s Freedom of Information Act (FOIA), confidentiality rules, and Privacy Act regulations codified at 12 C.F.R. Part 1070. The proposed changes to the confidentiality rules include, but are not limited to: (i) allowing … Continue Reading
On October 25, 2016, the Financial Crimes Enforcement Network (FinCEN) issued an Advisory to financial institutions to (i) clarify reporting requirements under the Bank Secrecy Act (BSA) for filing Suspicious Activity Reports (SARs) on cyber-attacks and cyber-enabled crimes, (ii) note what information financial institutions should include in such reports, and (iii) encourage financial institutions to share … Continue Reading