Melissa Hall is a bank and payments regulatory attorney focused on representing domestic and foreign banks, nonbank financial services and technology companies, investors in financial services, and technology companies. With nearly two decades of experience and a business-centered approach, clients regularly turn to Melissa as a trusted advisor on complex, cross-discipline financial regulatory matters that require in-depth knowledge of regulations and business lines.
Melissa advises clients on all aspects of financial institutions laws, including the Bank Holding Company Act, the National Bank Act, the Federal Reserve Act, the Federal Deposit Insurance Act, the Bank Secrecy Act, and key state banking law requirements. Melissa’s practice involves counseling clients on a wide range of traditional bank and finance regulatory compliance and enforcement issues at both the state and federal levels, including licensing requirements, consumer financial products and compliance, corporate and transactional matters, anti-money laundering compliance, financial institution investment and acquisition, as well as advising in the development of new financial services products.
Melissa has developed a niche advising on emerging regulatory issues in connection with financial technology, including payment systems rules, credit cards and stored value cards, money services businesses, virtual currency transmission and custody, marketplace lending, and consumer financial regulatory requirements. Melissa takes pride in partnering with her clients to understand their legal risks and business goals in order to move forward and remain innovative while operating in areas a regulatory environment that lags behind faster-paced innovation. She also represents nonbank financial institutions and their investors regarding regulatory compliance and due diligence of state and federal bank and consumer financial laws.
Based in Washington DC, Melissa has cultivated high-level relationships and long-standing connections throughout the regulatory arena, giving her a unique industry insight and access to resources critical to the success of her clients. Prior to starting her private practice, Melissa served as an attorney in the Office of the Chief Counsel of the Department of the Treasury’s Bureau of the Public Debt.
“Melissa brings an insider’s perspective and extensive network from her time at the Treasury Department. The fintech space is evolving at a breakneck pace, and her help navigating these regulatory changes is tantamount to our clients’ success.” Stephen A. Aschettino, partner and chair of Loeb & Loeb’s Payments Technology Practice and co-leader of the Blockchain Practice
On the corporate side of her practice, Melissa advises banks and financial services companies, as well as their directors and officers, in connection with corporate governance, management, business and operational, investment, and merger and acquisition (M&A) matters, as well as bank securities and fiduciary activities.
Outside of her practice, Melissa is an avid reader and enjoys rock climbing and traveling with her husband and two teenage daughters.
- University of Texas at Austin School of Law, J.D., Managing Editor, Texas International Law Journal
- University of Texas at Austin, M.A.
- Haverford College, B.A.
- Executive Committee of the Banking Law Committee, Federal Bar Association
- Member, American Bar Association