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.

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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

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Selected Activities

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  • 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

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