Theodore (Ted) J. Dowd II
- Washington, D.C.
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Ted brings a breadth of experience in banking regulation, policy, legislation, and litigation, which he honed throughout his federal agency career.
Ted Dowd guides clients on issues surrounding financial technology and innovation, including cryptocurrency, blockchain, and stablecoin. Ted assists companies in regulated spaces and helps them execute deals amid complex legal scaffolding. He also advises on M&A activities; Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), fair lending, and Unfair or Deceptive Acts or Practices (UDAP); and compliance, risk mitigation, and enforcement.
Ted has counseled banks, trust companies, and fintechs, including those navigating chartering, banking as a service (BaaS) modes, digital custody, and third-party risk oversight. He is well-versed in national bank powers, including managing regulatory implementation of permissible derivatives activities and key Dodd-Frank Title VII regulations. Ted also has extensive experience in preemption, visitation, and corporate governance.
His work with the legal department of the Office of the Comptroller of the Currency (OCC), which included serving as acting senior deputy comptroller and chief counsel, allowed Ted to develop skills spanning the financial sector. He oversaw the agency’s legal and licensing activities and managed legal strategy in some of the most high-profile and complex regulatory matters shaping the federal banking system. Informed by this experience, he can help clients make sense of the complicated regulatory regimes that govern their businesses.
Education & Credentials
Education
- Catholic University, Columbus School of Law, J.D.
- Providence College, B.A., Psychology
Bar and Court Admissions
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District of Columbia
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Florida
Related Employment
- Office of the Comptroller of the Currency, Washington, D.C., Acting Senior Deputy Comptroller and Chief Counsel, 2024-2025; Deputy Chief Counsel, 2018-2024; Director, Division of Securities and Corporate Practices, 2015-2018; Assistant Director, Division of Securities and Corporate Practices, 2011-2015; Staff Attorney, 2006-2011
- U.S. Commodity Futures Trading Commission, Division of Enforcement, Trial Attorney, Senior Trial Attorney, 2001-2006