Lauren E. Semrad
Partner
“Lauren is extremely responsive and always provides insightful advice.”
Chambers USA
“Lauren Semrad is excellent at identifying the relevant issues and tailoring analysis accordingly. She’s also extremely responsive, very knowledgeable.”
Chambers USA
Lauren E. Semrad’s practice focuses on advising U.S. and international financial institutions on U.S. bank and bank holding company regulatory matters.
Among other areas, this includes the legal and regulatory frameworks addressing financial company insolvency and resolution, capital and liquidity requirements, and qualified financial contracts. Lauren is frequently counsel to leading financial market trade associations and ad hoc coalitions on major industry initiatives and comment letters.
Lauren joined the firm in 2014 and became a partner in 2024.
Notable Experience
Several U.S. G-SIBs, regional banks, and community banks regarding U.S. bank regulatory and compliance matters
Several banking organizations on U.S. recovery and resolution planning
Multiple U.S. and non-U.S. institutions with respect to U.S. capital and liquidity requirements
Several large banking organizations in implementing total-loss absorbing capacity debt instruments
Major banks and buy-side entities in relation to stays on the exercise of contractual early termination rights imposed under various special resolution regimes in the United States, Europe, and elsewhere, including related regulations on the terms of such early termination rights
The International Swaps and Derivatives Association (ISDA) in connection with the drafting and negotiation of the ISDA Resolution Stay Protocols
Bank Policy Institute and major dealer banks in connection with the QFC recordkeeping regulations
Numerous trade associations in comment letters to the U.S. banking regulators and the SEC, including SIFMA with respect to the recent SEC Treasury clearing mandate proposal
The Institute of International Bankers with respect to their advocacy before regulatory agencies on behalf of international banks, including with respect to capital, resolution planning, and tailoring proposals
A variety of financial institutions on creditors’ rights and the ability to net obligations in insolvency
Selected Activities
trigger- Regular guest lecturer on bank resolution and recovery matters at Columbia University Law School and Georgetown Law School
- Faculty; Financial Institutions, Markets, and Transactions Training Series; 2023
- Articles Editor, Vanderbilt Law Review, Vanderbilt Law School
Publications
Agencies Adopt Final Guidance for Resolution Plans of Domestic and Foreign Triennial Full Filers
U.S. Adopts Reporting Rules for Non-Centrally Cleared Bilateral Repo Transactions
U.S. Banking Agencies Propose Increases to Capital Requirements of Banking Institutions
Recent Bank Failure Reports Point to Increased Scrutiny of U.S. Banks
Considerations for Portfolio Companies with Relationships with Silicon Valley Bank
Federal Reserve Finalizes Expansion of Regulation EE’s ‘Financial Institution’ Definition
OCC Standardizes Rules for Complex Activities and Updates Licensing Procedures
Agencies Finalize Resolution Plan Guidance for Certain Foreign Banks
Key Areas to Watch in Financial Institution Regulation Under President Biden
CFTC Proposes Comprehensive Revision of FCM and DCO Insolvency Rules
Summary of U.S. Financial Sector Initiatives Responding to COVID-19
Summary of U.S. Financial Sector Initiatives Responding to COVID-19
Response to COVID-19: U.S. Government Financial Sector Initiatives
Agencies Propose Resolution Plan Guidance For Three Large FBOs
Response to COVID-19: Break Out the Financial Crisis Toolkit?
Agencies Adopt Final Rules Tailoring Enhanced Prudential Standards
Agencies Finalize New Structure for Resolution Planning: More Focused & Less Frequent
Federal Reserve Board Proposes to Expand Netting Protections of FDICIA to Additional Institutions
Federal Banking Agencies Release Foreign Bank Tailoring Proposals
Agencies Propose Supplementary Leverage Ratio Relief for Custodial Banks
Agencies Finalize 2019 Resolution Plan Guidance for U.S. G-SIBs
First Wave FBOs Receive Feedback Significant Progress, Next Steps Identified
Observations on the Proposals to Tailor Enhanced Prudential Standards
Treasury Report Embraces Machine Learning and Artificial Intelligence in Financial Services
Federal Reserve Proposes “Stress Capital Buffer” and Scales Back eSLR
New Requirements for Financial Contracts Limit Exercise of Default Rights to Support GSIB Resolution
Events
April 24, 2025
March 24, 2025
March 5, 2025
WIFM’s Navigating Change: The Future of Financial Services Under the New Administration
February 5, 2025
ISDA Trading Book Capital: Basel 3 Implementation and Latest Industry Trends
October 30, 2024
October 10, 2024
October 9, 2024