Charles M. Horn

Charles Horn is a regulatory and transactional attorney whose practice focuses primarily on banking and financial services matters. Mr. Horn represents domestic and global financial services firms of all sizes on regulatory and transactional issues affecting their organization, structure, governance, management and operations. In addition, he provides sophisticated regulatory counseling to banks and other financial services firms relative to federal and state financial regulation, supervision, and compliance matters affecting their corporate, institutional, and retail business activities.

Mr. Horn has extensive experience in the development of new capital markets and other financial products and services. He also supplies comprehensive counseling across a wide range of transactions and activities involving the convergence of financial services sectors (banking, securities, and insurance), including merger and acquisition transactions, strategic alliances, and business integrations.

Prior to joining Morrison & Foerster, Mr. Horn was a partner at Mayer Brown, and prior to that, he worked with another major law firm. Previously, he served first as Senior Attorney (1983), then as Assistant Director (1983–1986), and finally as Director (1986–1989) of the Securities & Corporate Practices Division of the US Department of Treasury’s Office of the Comptroller of the Currency. Earlier, Charles held positions of progressively greater responsibility with the US Securities and Exchange Commission, Washington, DC, including Branch Chief (1982–1983); Senior Counsel (1980–1982); Attorney, Division of Enforcement (1978–1982); and Attorney, Division of Market Regulation (1976–1978).

Professional Activities

• Member, Board of Advisers, University of North Carolina Banking Institute, 2005 to date
   
  
• Member, Editorial Advisory Board, Bank Accounting & Finance, 1993 to 2010
    
  
• Consultant to the International Monetary Fund and The World Bank on financial sector legislative, regulatory and supervisory matters
   
  
• Frequent writer and speaker on a wide variety of financial services topics
   

Publications

• "The Parallel Universe of the Volcker Rule," The Harvard Law School Forum on Corporate Governance and Financial Regulation, July 29, 2012
  
  
• "New Basel Disclosure Rules," The Harvard Law School Forum on Corporate Governance and Financial Regulation, July 16, 2012
  
  
• Co-author of Considerations for Foreign Banks Financing in the US, published by International Financial Law Review, April 2012
  
  
• "Maintaining a Healthy Relationship with Your Regulators," Bank Director, December 2011
  
  
• "Financial Reform Will Probably Happen – but Will It Work?," The Daily Caller, April 23, 2010
   
• "Viewpoint: Volcker Rule Has Many Flaws," American Banker, February 23, 2010
   
• Editor and Contributing Author, The Federal Financial Markets Rescue: the Emergency Economic Stabilization Act of 2008 and Other Governmental Actions, Practicing Law Institute, 2009
   
• "Trends in Federal Securities Regulation of Banking Organizations," The Review of Banking & Financial Services, Vol. 21, No. 5, May 2005
   
• "SEC Is in a Can't-Win Position With Broker-Dealer Proposal," American Banker, July 16, 2004
   
• "Recent Developments in the Regulation of Bank Tying Arrangements," Commercial Lending Review, Vol. 19, No. 1, January 2004
   
• "In Defense of Moderation: Avoiding Overregulation of 'Special Purpose Entities'," The Legal Backgrounder (Wash. Legal Foundation), Vol. 17, No. 39, Sept. 2002
   
• "Financial Services Privacy at the Start of the 21st Century: A Conceptual Perspective," 5 North Carolina Banking Institute 89, April 2001
   
• "The Gramm-Leach-Bliley Financial Modernization Act: A New Course in US Financial Services," International Journal of Insurance Law 107, April 2000
   
• "Financial Modernization in the New Millennium: Implementation of the Gramm-Leach-Bliley Act," The Banking Law Journal, Vol. 116, No. 8, October 1999
   
• "Banks Being Given Opportunity to Do Fund Marketing Servicing," American Banker, February 26, 1998
   
• "Is Opportunity Knocking for Bank Fund Sales?" American Banker, February 24, 1998
   
• Principal Contributing Author, Bank Investment Products Deskbook, Warren, Gorham & Lamont, 1995 and Supps. 1996, 1997 and 1998
   
• "Accounting for Guaranteed Investment Contracts: Will GAAP Follow the Regulatory View?," Bank Accounting & Finance, Winter 1997
   
• "The Barnett Decision: Another Step Toward Expanded Bank Powers," Banking Policy Report, May 6, 1996, Vol. 15, No. 9
   
• "Price of Selling Insurance: State Regulation," American Banker, May 22, 1995
   
• "Even Another Insurance Win Might Not Do the Job," American Banker, May 19, 1995
   
• "Annuities Ruling Boosts Business Opportunities, But Uncertainty Lingers," Banking Policy Report, Vol. 14, No. 8, April 17, 1995
   
• "Bank-Mutual Fund Relationships: Breaking a Dollar and Other Risks," Trust Regulatory News, November 1994
   
• "Banking Agency Concerns About Derivatives: Managing the Risk," Banking Report, Vol. 13, No. 6, March 21, 1994
   
• "Interstate Banking Proposals in the United States: The Devil in the Details," Journal of International Banking Law, Vol. 9, Issue 4, April 1994
   
• "Charting a Responsible Course for Banks in the Mutual Fund Arena," American Banker, August 4, 1993
   
• "Fair Lending Laws: Preparing for Compliance and Examination," The Journal of Commercial Lending, June 1993
   
• "A Strategic Planning Guide for Bank Regulatory Exams," American Bankers Association, 1993
   
• "Minding the Store: Effective Supervision of Municipal Securities Dealer Departments," ABA Bank Compliance, Vol. 13, No. 7, July/Summer 1992
   
• "The Legal Barrier Between US Investment and Commercial Banking: Its Origins, Application, and Prospects," Current Legal Issues Affecting Central Banks, Vol. I, International Monetary Fund, May 1992 (Robert C. Effros, ed.)
   
• "Early Intervention Monster Needs Taming," American Banker, Dec. 24, 1991
   
• "Disclosures of Asset/Liability Management: A Management Framework," Bank Accounting & Finance, Fall 1991
   
• "Haggling in the Regulatory Bazaar," Bank Director, Second Quarter 1991
   
• "There's Still Time to Rethink Bank Reform," American Banker, March 6, 1991
   
• "Beware Banker Securities Blunders," ABA Banking Journal, Aug. 1990
   
• "Federal Securities Disclosure Requirements: Seeing the Light of Day," ABA Bank Compliance, Summer 1990
   
• "Capital Markets Tools for Balance-Sheet Management," Bank Accounting & Finance, Spring 1990
   
• "Securities Industry Association v. Clarke: A Glass-Steagall Change of Course," Banking Law Review, Spring 1990
   
• "Guarding the S&L Guardians: Congress Has More Work to Do," Legal Times, March 12, 1990