Schwartz & Ballen LLP was formed in 1995 by Gilbert T. Schwartz and Robert G. Ballen. With over sixty years of combined public and private sector experience in nearly all areas of financial services law, Messrs. Schwartz and Ballen are highly regarded as among the nation’s premier lawyers serving the financial services industry. The firm represents financial institutions before federal and state legislatures, as well as regulatory agencies, including the Federal Reserve, Comptroller of the Currency, Federal Deposit Insurance Corporation, Office of Thrift Supervision, National Credit Union Administration and state banking departments. We have represented clients in connection with every piece of significant financial services legislation Congress has enacted during the past fifteen years. Our clients include financial institutions, including banks, insurance companies and securities firms. We also provide legal advice to multi-bank and other organizations that provide many of the nation’s electronic and paper-based payments clearance and settlement systems, and financial institution and corporate users of those systems. We also provide legal advice to technology companies and other providers of services to financial institutions, and money transmitters with world-wide operations.