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Luis Urbina
Washington +1 202 662 5088 lurbina@cov.com Download V-card

Luis Urbina advises clients on complying with state and federal financial statutes, regulations, and agency guidance. He counsels banks, lenders, and technology companies on de novo bank chartering, formal applications for mergers and acquisitions, and compliance with consumer protection laws including the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Bank Holding Company Act (BHCA), the Change in Bank Control Act (CIBCA), the Truth in Lending Act (TILA), and state money transmitter laws.

  • Representation of national banks, savings associations, and other depository institutions in preparing and submitting applications for mergers and acquisitions and in obtaining related approvals from the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, and state banking agencies.    
  • Representation of Brown Brothers Harriman & Co. in regulatory matters.    
  • Preparation of a comment letter for a trade association on a state regulatory agency’s proposed rulemaking regarding identity theft prevention and mitigation.
  • Advice to leading software company and video game developer on the use of virtual currencies.
  • Advice to global manufacturers regarding when and how to report suspected or confirmed product safety issues to the CPSC or NHTSA.
  • Representation of global manufacturers in reporting product safety issues to the CPSC and NHTSA and in complying with subsequent recalls and monitoring.

Pro Bono

  • Six-month rotation at Bread for the City providing representation and advice to low-income D.C. tenants facing evictions, subsidy terminations, and related hardships.
  • Representation of Detroit homeowners challenging Wayne County, Michigan’s tax foreclosure practices under the federal Fair Housing Act and the City of Detroit’s administration of its poverty tax exemption under due process principles, in a lawsuit co-counseled by the ACLU of Michigan and the NAACP Legal Defense and Educational Fund (NAACP LDF).
  • Advice to major LGBTQ legal organization on challenging federal administrative actions under the Administrative Procedure Act and related doctrines to protect transgender students from discrimination.
  • Advice to the National Redistricting Foundation (NRF) on congressional and state legislative redistricting.

Previous Experience

  • American Civil Liberties Union of the Nation's Capital (ACLU-DC), Legal Intern (2016)
  • Consumer Financial Protection Bureau (CFPB) Division of Research, Markets, and Regulations, Legal Intern (2015)
  • Office of U.S. Senator Jeanne Shaheen, Legislative Correspondent (2011-2013)