Education

St. Louis University School of Law, J.D., 2008

  • Staff Editor, St. Louis University Law School Journal

University of Richmond, B.A., English, cum laude, 2005

Admitted

Illinois

Lindsay Henry is an associate in Chapman and Cutler’s Banking Department and is a member of the Consumer Financial Services and Bank Regulatory Group. Her experience includes counseling state and national banks, financial technology companies and other financial institutions on consumer and institutional regulatory and compliance matters. These matters include compliance with consumer regulations of the CFPB, OCC, FDIC and Federal Reserve on issues such as deposit and loan products, mortgage lending and servicing, policy and internal controls issues, and regulatory examinations and required corrective action.  

Lindsay has assisted clients with bank mergers, acquisitions and regulatory applications; treasury management and payment processing arrangements; outsourcing, vendor and client services agreements; and the permissibility and structure of new activities and investments. She has counseled fintech companies on regulatory compliance and operational issues including analysis of state licensing requirements and loan servicing and collection issues. She also works with banks to structure relationships with fintech companies, including conducting due diligence reviews and drafting custom program and loan documentation. She regularly works with banks and other financial companies to draft and structure consumer loan documentation, disclosures (Regulation Z and Regulation B compliance), solutions to specialized mortgage loans and delinquency workouts, and policies and procedures to direct future compliance.

Prior to joining Chapman and Cutler in 2011, Lindsay was an Examiner in the Consumer Complaints division of the Federal Reserve Bank of Chicago, analyzing the regulatory compliance of large banking organizations and non-bank subsidiaries and meeting with senior bank management to resolve compliance findings and resolution.

Publications

  • "FDIC Emphasizes Corporate Leadership to Address the Key Risk Management Issues Raised by Cybersecurity and Marketplace Lending," Pratt's Privacy & Cybersecurity Law Report, May 2016.
  • "Social Media Guide for Financial Institutions," Chapman and Cutler LLP, March 2016.
  • "OCC Anticipates Nearly Half of Outstanding HELOCs Will Reach End-of-Draw Period by 2017," The Banking Law Journal, January 2016.

Presentations

  • “Social Media Guide for Financial Institution Counsel,” Chicago Bar Association Financial Institutions Committee, October 14, 2015
  • “Social Media Guide for Financial Institutions,” Northern Illinois Compliance Association Compliance Workshop, September 11, 2015