Daniel W. E. Email & Phone Number

Washington, Dc, Us

I am senior counsel in the Federal Reserve Board's Legal Division, where I am an enforcement lawyer providing legal and policy advice to Legal Division officers, Division of Consumer and Community Affairs officers, and Federal Reserve Board members. I have developed effective working relationships with my colleagues throughout the Federal Reserve System and at other regulatory agencies through our work together on enforcement and policy matters.My practice relates to enforcement matters, including the investigation of possible violations of banking regulations or other applicable laws by financial institutions, their third-party service providers, and bank officers. This includes consumer protection matters, such as enforcing the legal prohibition against unfair and deceptive practices, mortgage servicing, credit reporting, and flood insurance, as well as safety and soundness matters, including in the FinTech space. Since 2014, I have worked on virtually every public enforcement action that the Board has taken against an institution or third-party service provider for unfair or deceptive practices and consumer compliance deficiencies. I also oversee the implementation of plans that firms are required to submit under enforcement actions regarding restitution to injured consumers and other corrective actions.As assigned, I have provided legal advice involving applications for banking transactions submitted by financial institutions under the Bank Holding Company Act. Further, I review compliance and legislative issues related to the Bank Service Company Act, including partnerships between regulated entities and FinTech firms. Finally, I have participated in drafting each interagency flood insurance regulatory or policy guidance document issued by the responsible agencies since Congress’s passage of the Biggert-Waters Act in 2012, including the interagency private flood insurance rule and flood insurance questions and answers.

Washington, D.C., Us

Since 2009, I generally have taught an upper-level college course during the fall semester in constitutional law and policy, focusing on the powers of the United States Government. I lecture on constitutional law cases and doctrines, using the Socratic Method.Some topics I have covered include: judicial review; federal court jurisdiction; the Commerce Clause; Federalism; Presidential power; and separation of powers with a focus on national security disputes.

Washington, Dc, Us

Secondment to U.S. Department of the Treasury, as an attorney-advisor, providing legal and policy advice regarding pandemic recovery programs to Office of General Counsel, Office of Recovery Programs, and senior officials, regarding program design and implementation, application review, recipient communications, enforcement and compliance issues, oversight activities, guidance, constitutional law, and litigation issues.In 2021, I was a recipient of the Treasury “Legal Team of the Year Award” as a member of the CARES Act-ARPA Team.

Washington, Dc, Us

I taught an upper-level college course in constitutional law and policy, surveying U.S. constitutional powers, civil rights and civil liberties, including the First and Fourteenth Amendments, and criminal procedure, including the Fourth and Fifth Amendments.

I worked on a variety of policy, legislation, and litigation related matters pertaining to money laundering, asset forfeiture, and the Bank Secrecy Act (BSA). My responsibilities included providing guidance on federal money laundering laws, and drafting and commenting upon legislation and policies related to money laundering and asset forfeiture laws. In certain matters, I was responsible for drafting settlement memos for approval by the Assistant Attorney General or Deputy Attorney General's Office. I also worked on matters where there were proposals to indict attorneys for money laundering.

I was an associate in Thelen's Commercial Litigation Group. My practice involved products liability cases, business, and construction disputes before state courts, federal courts, and AAA arbitration tribunals. I advised partners on substantive and procedural issues arising under Maryland law and served as local counsel in Maryland commercial and construction litigation matters.The firm dissolved in December 2008.

Baltimore, Maryland, Us

I served as a judicial law clerk to the senior judge on Maryland's highest court. I prepared draft appellate opinions, bench memos, and attended oral arguments.

Doctor Of Law (J.D.)

Bachelor Of Arts (B.A.), Classical Humanities And Political Science

Education record