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Sam Adriance focuses his practice at the intersection of technology and financial services. He helps clients navigate complex regulatory frameworks as they apply to innovative technologies, including data aggregation, cryptocurrencies, fintech lending, mobile applications, and cloud computing. He is a member of Covington’s Financial Services, Data Privacy and Cybersecurity, and White Collar groups.

Mr. Adriance represents clients – whether in enforcement, transactional/licensing, or policy matters – before virtually all the major U.S. financial regulators, including the Federal Reserve, OCC, FDIC, CFPB, CFTC, SEC, FTC, and NYSDFS. He also represents financial institutions in DOJ criminal investigations.

  • Advise clients on a wide range of privacy and data security topics, including GLBA, CCPA, FCRA, FTC Act section 5, California S.B. 1, the Safeguards Rule, FFIEC guidance, PCI DSS, data breach response, and the NYSDFS Cybersecurity Rule.
  • Advise several major financial institutions on developing CCPA compliance programs.
  • Represent a major cryptocurrency exchange in a CFTC market manipulation investigation.
  • Prepare congressional testimony and comment letters on behalf of major trade associations, focusing on financial privacy and cybersecurity.
  • Assist a financial institution offering cryptocurrency trading services in seeking to establish a de novo bank and become a financial holding company.
  • Advise a number of traditional financial institutions on the regulatory implications of partnering with fintech companies or incorporating new technologies into their services.
  • Represent a variety of financial institutions, including fintech companies, in consumer enforcement matters, including matters involving privacy disclosures, add-on products, fair lending, and fair credit reporting.
  • Represent global banks in anti-money laundering, sanctions, and corruption investigations before the DOJ (including SDNY, EDNY, Fraud, and MLARS), Fed, OCC, SEC, NYSDFS, and foreign regulators.
  • Represent banks in enforcement matters before the prudential banking regulators, including matters involving sales practices and unauthorized account opening, safety and soundness, and risk management.
  • Assist a variety of clients to navigate the CFTC regulatory environment, including cryptocurrency exchanges, the swap dealer of a national bank, CFTC-registered entities, and major commodities end-users.
  • Represent clients in fintech acquisitions and investments.
  • Advise major financial institutions in developing privacy disclosures, including privacy policies, and data protection terms of vendor and partner agreements.
  • Represent a data aggregator in remediating its data sharing practices.
  • Represent clients, including a major e-commerce company and a CFTC-registered Commodity Trading Advisor, in responding to data breaches.
  • Act as outside privacy counsel to a major banking organization. Provide regular advice on a variety of transaction and regulatory data protection issues.
  • Advise clients on their AML/CFT obligations under the Bank Secrecy Act, including helping clients understand the requirements in connection with virtual currency, and providing AML technology services to financial institutions.

Pro Bono

  • Represent clients in anti-discrimination lawsuits under the Fair Housing Act.   

Previous Experience

  • Department of Justice, Antitrust Division, Legal Intern