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Jason J Cabral

Of Counsel, Corporate Department
New York
200 Park Avenue
New York, NY
10166
United States

Fax: 1(212) 303-7010

Overview

Jason Cabral is of counsel in the Bank Regulatory and Fintech & Payment Systems practices of Paul Hastings and is based in the firm's New York office. His bank regulatory practice includes the representation of leading U.S. and non-U.S. financial services companies before federal and state bank regulatory agencies. He advises clients on a wide range of policy, regulatory, governance, and other matters, including financial reform, mergers and acquisitions, controlling and non-controlling investments, merchant banking investments and activities, fintech investments, applications, new products and activities, affiliate and insider transactions, and third-party vendor risk management. He also advises clients on corporate governance and other general corporate and strategic matters. He regularly advises fintechs regarding the potential application of federal and state banking laws and regulations to their proposed investments and activities in the financial services sector and the range of regulatory options available to them, including state and federal licensing, bank partnerships, bank charters, and various charter options currently available or under development in the United States.

Prior to joining Paul Hastings, Jason was special counsel in the Financial Services Group at a multinational firm in New York and, most recently, a partner in the Banking and Financial Services Group of a Boston-based national firm.

Education

  • Quinnipiac University School of Law, J.D. (summa cum laude), 2007

  • Ohio University, B.S. (summa cum laude), 2004

Speaking Engagements

  • Author of numerous articles or opinion pieces for local and national publications about legal and policy issues arising in the financial services and fintech industries.

  • Frequent speaker on federal and state bank regulatory developments.

Recent Representations

  • Represented The Goldman Sachs Group, Inc., in becoming a bank holding company in September 2008 and ongoing advice regarding bank regulatory matters related to conformance with banking laws and its global operations.

  • Represented Goldman Sachs Bank USA in its acquisition of GE Capital Bank's online deposit platform and assumption of its online deposits.

  • Represented a fintech in connection with its first-of-a-kind charter application to establish a full-service, FDIC-insured national bank.

  • Represented a group of organizers in connection with their application to establish a full-service, FDIC-insured national bank.

  • Represented U.S. and non-U.S. bank holding companies in connection with their applications and notices to the Federal Reserve under Sections 3 and 4 of the Bank Holding Company Act, the Federal Reserve's Regulation K and Section 163(b) of the Dodd-Frank Act and insured depository institutions in connection with their merger, change in control, branch opening or closing, or other applications and notices to the Federal Reserve, FDIC, OCC, New York State Department of Financial Services and other state bank regulatory agencies.

  • Represented a fintech company in connection with the establishment of its bank partnership and the launch of its small business lending solution.

  • Represented a fintech startup in connection with the establishment of its bank partnership and the launch of its app-based savings solution for children and early-stage investments.

  • Represented numerous banks third-party vendors in data processing, software and third-party vendor contract negotiations.

  • Represented a global investment management organization and a large insurance company in all aspects of debanking and deregistering as a bank holding company and savings and loan holding company, including conversion of insured depository institution subsidiaries to trust-only institutions, regulatory and transactional structuring, divestitures, bank regulatory applications, and representation before multiple federal and state bank regulatory agencies.

Practice Areas

Fintech and Payments

Languages

English

Admissions

Massachusetts Bar
New York Bar
Connecticut Bar

Education

Quinnipiac University, School of Law, J.D. 2007
Ohio University, B.S. 2004

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