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Stuart Stock
Stuart C. Stock
Senior Counsel
Washington +1 202 662 5384 sstock@cov.com Download V-card

Mr. Stock advises financial institutions on the full range of federal regulation applicable to their operations and activities, including bank and bank holding company acquisitions and mergers; bank product and geographic expansion, and other bank regulatory matters; financial institution enforcement matters; financial institution legislation; and financial institution litigation (particularly in the area of federal preemption). Over more than 30 years of practice in the field, he has worked extensively with all of the federal bank regulatory agencies, as well as with a number of other federal agencies and with many state bank regulatory bodies. In addition, he previously taught banking law and regulation.

  • Representation of General Electric and Synchrony Financial in connection with exchange offer to complete the separation of Synchrony from GE and in connection with Federal Reserve Board application process and approval required for the separation of Synchrony from GE. 
  • Representation of Citibank, N.A., in connection with negotiation of OCC Consent Order and Civil Money Penalty Order related to its foreign exchange (FX) trading business.
  • Representation of Synchrony Financial (GE Capital’s North American retail finance business) in connection with its approximately $2.95 billion initial public offering and related $3.6 billion debt offering.
  • Representation of Credit Suisse AG in connection with negotiation of Federal Reserve Cease and Desist and Civil Money Penalty Order related to compliance with federal banking laws governing activities in the United States.
  • Representation of Wells Fargo in connection with a Federal Reserve Board investigation and consent order with respect to alleged falsification of customer income and customer steering by Wells Fargo Financial sales personnel in the origination of consumer mortgage loans.
  • Representation of Citigroup, Inc. and Citibank, NA, in connection with negotiation and implementation of OCC and Federal Reserve Board consent orders relating to consumer mortgage servicing and foreclosure activities.   
  • Representation of Wells Fargo in obtaining dismissal of litigation brought by the City of Cleveland with respect to securitization of subprime mortgage loans on properties located in Cleveland.
  • Representation of Freddie Mac in connection with establishment of Federal government conservatorship.
  • Representation of Arlon Capital Partners LP in connection with investments in Grandpoint Capital, Inc., Carlile Bancshares, Inc. and Northeast Bancorp.
  • Representation of E*Trade Bank in connection with portfolio acquisition and investment by Citadel. 
  • Representation of Freddie Mac in connection with resolution of regulatory issues and litigation growing out of the Company’s $5 billion earnings restatement.
  • Representation of Wells Fargo Bank, N.A. and National City Bank of Indiana in litigation in the U.S. Court of Appeals for the Ninth Circuit with respect to federal preemption of efforts by California authorities to regulate mortgage subsidiaries of Wells Fargo Bank and National City Bank.
  • Representation of Bank of America, N.A. and Wells Fargo Bank, N.A. in litigation in the U.S. Court of Appeals for the Ninth Circuit with respect to federal preemption of ATM fee ban laws imposed by two California municipalities.   
  • Representation of Wells Fargo Bank of Texas, N.A., Bank of America, N.A., J. P. Morgan Chase, Bank One, N.A., and other banks in litigation in the U.S. Court of Appeals for the Fifth Circuit with respect to federal preemption of Texas statute banning check-cashing fees.

Memberships and Affiliations

  • American Law Institute
  • University of Virginia School of Law, Lecture in the Law (1986-1989)
  • Chambers Global, Banking & Finance (2013-2018)
  • Chambers USA, Financial Services Regulation: Banking (Compliance); Financial Services Regulation: Banking (Enforcement & Investigations) (2005-2018)
  • Best Lawyers in America, "Washington Financial Services Regulation Lawyer of the Year" (2014)
  • The Best Lawyers in America, Banking and Finance Law (1996-2018)
  • Legal 500 US, Finance - Financial Services: Regulatory (2013-2017)
  • Washington DC Super Lawyers, Banking Law (2011-2018)