University of Detroit Mercy School of Law, J.D., 1979

University of Michigan, B.A., 1975



Heather Hansche is a partner in the firm's Banking and Financial Services Department and is a member of the Consumer Financial Services and Bank Regulatory Group.

Prior to joining Chapman and Cutler LLP in 1996, Heather gained significant bank regulatory experience both as a staff attorney in the Division of Consumer and Community Affairs with the Federal Reserve Board in Washington, D.C. and as in-house legal counsel for financial institutions including Household International, Continental Bank and Sears National Bank.

Her experience includes consumer credit compliance including equal credit opportunity, truth-in-lending, fair credit reporting, expedited funds availability, electronic funds transfer, truth-in-savings and privacy. In addition, Heather has assisted clients in outsourcing arrangements, acquisitions, cobranding, joint ventures and federal regulatory issues including compliance with new regulations, applications and examinations.

Recent Projects

  • Assistance on AML/BSA compliance examination including development of revised policy handbooks for each line of business and new customer identification procedures
  • Service agreement with vendor to allow bank customers service fee-free access to a network of non-bank ATMs throughout the United States
  • Advice regarding multi-state operations and licensing of commercial non-bank lender
  • Conversion of commercial card portfolio from Visa to MasterCard
  • Development of new documentation for the treasury management group including cash management master agreement and product specific service descriptions
  • Corporate reorganization including conversion of state bank to national bank charter and merger of two state trust companies and a state bank into national bank