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Sivon, Natter & Wechsler
The law firm of Sivon, Natter & Wechsler, P.C. specializes in representing financial institutions and other parties before federal and state financial regulatory agencies and the U.S. Congress.
The firm’s clients include domestic and foreign banks, financial holding companies, savings associations, insurance companies, fintechs, investors, consultants, and trade associations.
The partners in the firm also serve as counsels in the international law firm of Squire Patton Boggs.
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James C. Sivon, Partner
James C. Sivon is a partner in the Washington, D.C. law firm of Sivon, Natter & Wechsler, P.C. He specializes in representing financial institutions before the U.S. Congress and federal regulatory agencies.
He is a former senior vice president and general counsel for the Association of Bank Holding Companies (1983-1985), and he served as the staff director for the Republican members of the U.S. House Committee on Banking, Finance and Urban Affairs from 1980 to 1983. Mr. Sivon is a frequent speaker on the regulation of financial services firms, and is the author of various publications including The New CRA, published by the American Bankers Association, Insurance Activities: A Legal Guide for Banks, published by A.S. Pratt & Sons, and FIRREA: Implementation and Compliance, published by Warren Gorham & Lamont (co-author). Jim Sivon is a member of the Executive Council of the Federal Bar Association's Banking Law Committee and the Exchequer Club.
He received his undergraduate degree from Denison University and his law degree from Georgetown University Law Center, and is admitted to practice in the District of Columbia.
Jim also serves as counsel in the international law firm of Squire Patton Boggs.
Katie Wechsler, Partner
Katie Wechsler is a partner in the Washington, D.C. law firm of Sivon, Natter & Wechsler, P.C. She specializes in representing financial institutions before the U.S. Congress and federal regulatory agencies.
Ms. Wechsler previously served as counsel and associate director of government affairs for The Financial Services Roundtable's Housing Policy Council. In that role, Ms. Wechsler researched, analyzed, and drafted testimonies, regulatory comment letters, and policy papers on housing and mortgage issues, regulations, and legislation.
Ms. Wechsler received her undergraduate degree from Vanderbilt University and her law degree from The George Washington University Law School. She is admitted to practice in the District of Columbia.
Katie also serves as counsel in the international law firm of Squire Patton Boggs.
Alfred M. Pollard, Of Counsel
Alfred Pollard most recently served as General Counsel for the Federal Housing Finance Agency for over 20 years. During his tenure, Pollard managed the Office of General Counsel while directly addressing major litigation, legislative, regulatory and state and local matters. Pollard testified before Congress and state legislatures on issues as diverse as energy programs, federal preemption issues, banking legislation, including digital signatures, housing finance topics and foreclosure policies. Pollard served on several presidential task forces relating to fraud in mortgages and consumer lending and as a member of the Administrative Conference of the United States. He routinely worked with federal agency and state government officials as well as corporate executives and corporate boards.
Prior to FHFA, Pollard led legislative and regulatory efforts for national trade associations representing the largest financial institutions in the United States. Before that he served as Washington representative on legislative and regulatory issues for the fifth largest U.S. banking firm. He was staff member for two United States Senators.
The range of topics he has addressed included oversight and direct participation in litigation resulting in $25 billion in recoveries for Fannie Mae and Freddie Mac from securities law violations by mortgage backed securities issuers and, in the 1990s, leading a coalition of over 100 firms and associations to secure the first amendment to the Superfund liability provisions in 1996.
Pollard was recognized in The Legal 500’s, “GC Powerlist: US Teams,” top 100 U.S. in-house legal departments in 2015 and The National Law Journal's “America’s 50 Outstanding General Counsel” who run an “exemplary in-house law department” in 2014.
Pollard graduated from the University of North Carolina where he also received his J.D. degree, and he earned a PhD from the University of Virginia in foreign affairs. For 29 years, he taught law classes at Georgetown Business School, University of Virginia School of Law and The George Washington Business and Law Schools.
Pollard is a member of the District of Columbia Bar.
Raymond Natter, Partner
Raymond Natter is a partner in the Washington, D.C. law firm of Sivon, Natter & Wechsler, P.C. He specializes in representing financial institutions before the U.S. Congress and federal regulatory agencies.
Mr. Natter served as deputy chief counsel of the Office of the Comptroller of the Currency, where his responsibilities included the development and review of all of that agency's regulatory undertakings from 1995 through 2004. At the OCC, Mr. Natter also was responsible for the legal department's securities and corporate practices division, bank structure division and legislative affairs office. The legal department of the OCC's New York and Chicago offices reported directly to Mr. Natter. Prior to the OCC, Mr. Natter served as a senior staffer for eight years on the U.S. Senate Committee on Banking, Housing and Urban Affairs, and was the Committee's Republican chief counsel from 1989 through 1995. Prior to the Senate, Mr. Natter was a senior counsel at the legal department of the Federal Reserve Board in Washington, D.C.
Mr. Natter has written extensively on financial services legal and policy issues, and is often asked to speak at financial institution conferences and seminars and cited in the industry's leading publications for his expertise in the financial services field.
Mr. Natter received his undergraduate degree from Rensselear Polytechnic Institute and his law degree from Georgetown University Law Center. In 1979, he was awarded an LL. M. degree with highest honors from the George Washington University National Law Center. He is admitted to practice in the District of Columbia.
Ray also serves as counsel in the international law firm of Squire Patton Boggs.
Jason Kratovil, Executive Director, Consumer First Coalition
Jason Kratovil is a principal in the Washington, D.C. law firm of Sivon, Natter & Wechsler, P.C., and is Executive Director of the Consumer First Coalition . A recognized expert in payments, data security, privacy and financial technology policy, he brings nearly two decades of experience to the Firm, representing clients before the U.S. Congress and regulatory agencies.
Previously, Mr. Kratovil established and led the payments, technology and cybersecurity practice at the Financial Services Roundtable. He has also worked on payments, innovation and retail banking policy at the American Bankers Association and the Independent Community Bankers of America. He served for six years as Legislative Director for U.S. Rep. Steven C. LaTourette (OH-14), where he led efforts to enact several key consumer protection provisions during reauthorization of the Fair Credit Reporting Act, and drafted the first piece of bipartisan data security and consumer breach notification legislation to advance through the House Financial Services Committee. Kratovil began his professional career in marketing communications at Dell, where he helped manage the firm's relationships with key enterprise software partners.
Jason received a Master of Public Policy degree from George Mason University and two B.A. degrees from Miami University (OH), and holds a Certified Information Privacy Professional (CIPP-US) certification. He also serves on the Fairfax County (VA) Consumer Protection Commission.
Our clients are financial services firms, financial trade associations, and individuals who work in the financial services sector. Clients include money center and regional banks, insurance companies, national trade associations for the financial services industry, money service providers, and other non-depository financial services firms. The firm also manages various industry coalitions that focus on compliance and policy issues.
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