Jerry G. Sanchez
Associate
Monique Braudrick
214.758.1693
Jerry G. Sanchez assists domestic and international financial institutions in matters involving state and federal banking laws and regulations. Regulatory representations include charter applications, bank holding company and financial holding company regulation, operating subsidiaries, mergers and acquisitions, de novo banks, enforcement actions, legal lending limit issues, fiduciary activities, trust preferred securities, and anti-money laundering requirements under the Bank Secrecy Act, the USA PATRIOT Act and their implementing regulations.
Mr. Sanchez provides advice regarding stored-value cards, including payroll cards and gift cards, and Automated Clearing House (ACH) transactions. He drafts and reviews contracts with bank third-party bank service providers, as well as deposit agreements, disclosures, and bank advertising and marketing materials.
Mr. Sanchez provides counsel on legal and regulatory consumer lending matters, state lending law license and registration requirements, interest and usury limits, retail installment sales statutes, leasing laws, unfair and deceptive trade practices, mortgage banker and broker statutes, and state escheat laws.
Prior to joining Bracewell & Giuliani LLP, Mr. Sanchez was assistant general counsel with the Texas Department of Banking, where he regulated Texas-chartered financial institutions, co-drafted the Texas Trust Company Act of 1997 and its implementing regulations, and regulated currency exchange, currency transmission and sale of check entities in Texas. As senior attorney with the FDIC/RTC, Mr. Sanchez was involved in all areas of regulating government-controlled financial institutions, including liquidations.
Publications and Speeches
Texas Bankers Association 33rd Annual Legal Conference, "Regulatory Impact on Banking Transactions in International Communities," March 29, 2007
"Forged Check Signatures," Bankers Digest, July 24 and 31, 2006.
"Internet Banking: Electronic Signatures and Disclosures," Bankers Digest, May 15 and 22, 2006.
"Overdraft Protection Programs: Legal and Regulatory Implications," Texas Savings and Community Bankers Association and Independent Bankers Association of Texas 31st Annual Legal Conference, April 1, 2005.
"Supreme Court Upholds Reg Z's Treatment of Over-Limit Fees as Non-Finance Charges," Bankers Digest, May 17, 2004.
"Welcome to Texas Banking, Bank Organization: Choice of Charter, Subchapter S, Franchise Tax Issues and More," Texas Association of Bank Counsel's 28th Annual Convention, October 7, 2004.
"RESPA: Basic Do's and Don'ts and an Overview of Business Affiliated Relationships," Texas Mortgage Bankers Association's Regulatory Compliance Workshop, January 13, 2004.
"Posting Checks From Highest to Lowest Dollar Amount," Bankers Digest, October 20, 2003.
"Are Overdraft Protection Fees Interest or Finance Charges?" Bankers Digest, March 31, 2003.
"Money Services Businesses and Anti-Money Laundering Regulations," Texas Savings & Community Bankers Association and Independent Bankers Association of Texas 29th Annual Legal Conference, February 2003.
"The USA PATRIOT Act and New Anti-Money Laundering Regulations for Banks," Bankers Digest, October 14, 2002.
Education
J.D., The University of Texas School of Law, 1984
Professional Degree in Banking, Southwestern School of Banking, 1993
B.A., The University of Texas at Austin, 1981
Bar Admissions
Texas
Affiliations
Financial Institutions Legal Counsel Network, Past PresidentDallas Bar Association
Dallas Hispanic Chamber of Commerce
Languages
Fluent Spanish