Daniel Wheeler is a partner in the firm’s San Francisco office and lead’s the firm’s Financial Technology team. For 19 years, he has advised banks, financial technology companies, credit unions and other financial institutions on their most important challenges and opportunities. Dan is particularly adept at helping his clients innovate, including the design and upgrade of consumer and commercial financial products and business lines. In fact, Mr. Wheeler is named as a co-inventor with a client in a patent application covering a novel commercial financial product. Mr. Wheeler helps clients solve significant regulatory challenges. Sometimes this involves intervention and advocacy with the Federal Reserve, FDIC, OCC, NCUA, CFPB and state financial regulators, as well as negotiation of enforcement actions. A sampling of specific areas of expertise includes: Dodd-Frank Wall Street Reform and Consumer Protection Act Bank Secrecy Act / anti-money laundering UDAAP Correspondent banking Licensing and product design and compliance for non-bank specialty lenders including marketplace or “peer-to-peer” lenders Licensing, product design and compliance in the areas of money transmission, including payment systems and stored value cards Deposit account and bank operations issues Check, ACH and wire problems Contract negotiations between banks and service providers Regulatory compliance Dan also helps his lender clients efficiently and safely close a wide variety of loans, including large syndicated credits and various asset-based and commercial real estate loans. Mr. Wheeler advises on loan administration, collections and enforcement, sales of loan portfolios, participation and intercreditor agreements, letters of credit, repurchase agreements and interest rate swap agreements. Mr. Wheeler writes and advocates frequently on issues affecting the financial industry.