Lawrence D. Kaplan

Citigroup on Citi Ventures’ Impact Fund in connection with addressing bank holding company and Volcker Rule compliance issues.
Cross River Bank on regulatory issues, including with respect to its Fintech and payment relationships, including numerous regulatory filings under applicable digital asset guidance.
Dayforce National Trust Bank (fka Ceridian National Trust Company) on its de novo application for a national trust bank launched in 2023, including numerous regulatory filings, meetings and presentations, from pre-filing through establishment.
Pathward, N.A. (fka MetaBank) on bank regulatory matters, Fintech relationships, brokered deposit issues, and implementation of government stimulus programs.
GenuBank with its proposed conversion from a state to a national bank, including a digital asset strategy; prepared numerous regulatory filings and made presentations to regulators (withdrawn).
PayPal/X.com in its initial establishment and retention of its money transmitter licenses and various regulatory issues.
Figure Technologies on bank and state regulatory matters with respect to its product offerings.
BitPay on its regulatory applications to form a cryptocurrency merchant acquiring bank, BitPay National Trust Bank (withdrawn).

Frequent source for major media publications on banking matters
SEPTEMBER 14, 2026
Author of numerous articles on financial services issues
SEPTEMBER 14, 2026
“Online Financial Transactions and Payment Mechanisms,” Chapter 31: E-Commerce & Internet Law – 2nd Edition, Co-author
2009

Senior Attorney
Chief Counsel’s Office of the U.S. Department of Treasury’s Office of Thrift Supervision

Lawrence D. KaplanLawrence D.Kaplan