Moore & Van Allen Law Firm, Attorneys
Practice Areas
  • B.A., Arts and Political Science, Bucknell University
  • J.D., University of North Carolina School of Law
  • North Carolina
  • District of Columbia
100 North Tryon Street
Suite 4700
Charlotte, NC 28202-4003

Katherine M. Lamberth

Associate
Overview
Representative Matters
News & Events
Publications
Professional Affiliations

Katherine Lamberth advises financial institutions on regulatory compliance and transactional matters that arise under U.S. banking and consumer financial laws. Her experience includes representing clients in application, supervisory, and advocacy proceedings before state and federal regulators, including the Board of Governors of the Federal Reserve (FRB), Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and Consumer Financial Protection Bureau (CFPB).

Katherine’s practice focuses on providing regulatory counsel to financial institutions regarding all aspects of their operations, including charter or license applications, mergers and acquisitions, new products and business activities, and compliance and supervisory concerns. In particular, she advises clients on transactional and compliance matters arising under the National Bank Act (NBA), Bank Holding Company Act (BHCA), Federal Deposit Insurance Act (FDIA), and various other federal and state banking laws and regulations. She also advises clients on compliance with federal consumer financial laws, including the Consumer Financial Protection Act (UDAAP provision), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and Truth in Lending Act (TILA), and their implementing regulations.

Katherine’s practice also includes advising non-bank companies, including those engaged in financial technology (fintech) and consumer financial services (CFS), on state laws applicable to lending, lead generation, and money transmission. As part of this practice, Katherine counsels clients on licensing requirements and relevant exemptions under applicable state regulatory regimes.

Prior to joining Moore & Van Allen, Katherine was an associate at Venable LLP in Washington D.C. Before joining Venable, she was an associate in the Financial Institutions Advisory practice of White & Case LLP, also in Washington, D.C.

Speaking Engagements

  • Elements of a Successful Compliance Management System and Vendor Management Rules of the Road, Online Lenders Alliance’s Compliance University (July 2017)
  • Remaining Compliant in a Sea of Changing Expectations, ACA International Fall Forum and Expo (Nov. 2017)

Representative Matters

Banking Matters

  • Represented financial institution in successful legislative initiative to amend state banking laws to provide for modernization and creation of state-chartered savings banks, including drafting proposed legislation and educational materials
  • Represented financial institution in charter and federal deposit insurance applications before state banking agency and FDIC, respectively, to establish de novo state savings bank
  • Represented state nonmember bank in BHCA acquisition and merger proceedings
  • Advised federal savings association on regulatory considerations associated with proposed conversion to state charter and loss of federal preemption
  • Represented state bank in conducting compliance review of student lending business and strengthening compliance management system
  • Advised state bank on consumer outreach related to compliance remediation

CFS, Fintech, and Specialty Finance Matters

  • Represented lead generator in obtaining mortgage broker licenses on 50-state basis
  • Advised marketplace lender on development of debt consolidation loan product and related operational concerns
  • Advised fintech on loan recharacterization risk and related regulatory considerations in developing receivables financing product
  • Represented trade association and its members on regulatory advocacy and SBREFA hearing before the CFPB in connection with proposed debt collection rulemaking
  • Represented investment bank, as underwriter, in conducting regulatory due diligence of fintech engaged in small-dollar lending in connection with IPO

Publications

Professional Affiliations

  • American Bar Association