Our Mission

•  Assist financial institutions and their affiliates in developing, monitoring, and evaluating regulatory compliance programs.
   

•  Provide financial institutions with sound legal consultation in matters involving operations and delivery of products and services.

Qualifications

Kristen J. Stogniew has nine years of experience providing Regulatory Compliance and Legal Consulting Services to financial institutions and their affiliates. She has performed over 500 audits, monitoring and mentoring visits, and provides regular and as-needed counsel to over 30 financial institutions. Kristen regularly attends and leads training seminars and workshops, and is a member of the American Bar Association's Consumer Protection and Financial Services Committees, and the Suncoast Bankers Compliance Association.

Kristen has over 20 years of experience in the banking industry through her involvement with Stogniew & Associates, a family-owned bank consulting firm in St. Petersburg. The Firm provides loan review, internal audit, and insurance consulting services to financial institutions.

Kristen graduated 6th in her class from Stetson University College of Law in St. Petersburg in December 1994. She has been a member of the Florida Bar since May 1995. While in law school, Kristen was a Certified Intern with the Tampa Legal Division of the Department of Banking and Finance, overseeing the Securities, Mortgage, and Banking industries. She also interned with Chief Bankruptcy Judge Alexander Paskay of the Middle District of Florida. Kristen graduated Cum Laude in Business Administration, major Finance, from the University of South Florida.

Kristen's practice areas include litigation and regulatory compliance issues involving:

•  bank deposits and operations

•  sales of investment and insurance products

•  regulatory reporting

•  commercial, consumer, and residential mortgage loan originations and servicing

•  marketing and delivery of products and services

•  security, privacy, and financial recordkeeping and reporting

Particular laws and regulations include:

▀ Bank Secrecy Act ▀ USA PATRIOT Act ▀ Electronic Funds Transfer Act ▀ Expedited Funds Availability Act ▀ Truth in Savings Act ▀ Truth in Lending Act ▀ Community Reinvestment Act ▀ Real Estate Settlement Procedures Act ▀ Home Mortgage Disclosure Act ▀ Equal Credit Opportunity Act ▀ Fair Housing Act ▀ FTC's Unfair and Deceptive Acts and Practices Act ▀  related state statutes and regulations, including the UCC.

Kristen is also knowledgeable of FFIEC, FDIC, Federal Reserve, OCC, OTS, and State (Florida) examination procedures and enforcement actions.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.