Jonathan Gould provides bank and financial regulatory and strategic advice to financial services providers of all types. He combines senior government regulatory and legislative experience with business acumen to help banks, fintechs, and other financial services providers achieve their objectives.
Jonathan served as the Senior Deputy Comptroller and Chief Counsel of the Office of the Comptroller of the Currency (OCC). He oversaw all of the agency's legal and licensing activities, including legal advisory services to banks and examiners, enforcement, litigation, agency administrative matters, legislative initiatives, the chartering of new banks, and changes in structure and activities of existing banks.
Jonathan led the OCC's legal and licensing teams through a transformational period in which the agency revised its regulatory and licensing frameworks to reflect an evolution in banking. These efforts included a significant rewrite of banking regulation, including implementation of the Economic Growth Act, reforms to the Volcker and swap margin rules, capital and liquidity changes, issuance of the Madden rule, and expansion of bank powers. Under his direction, the OCC chartered the first fintech and crypto banks; recognized crypto-related activities as permissible; brought the largest enforcement actions in agency history; managed through the March 2020 financial crisis; and defended the agency's actions before Congress and in court.
Jonathan also brings private sector experience in risk management and regulatory consulting across the financial services and technology industries, having served in corporate counsel or consulting roles at BlackRock, Promontory Financial Group, and Bitfury.
Experiência
- December 2023
Aggressive in the Endgame: The U.S. Bank Regulators' Proposals Would Hike Bank Capital, The Review of Banking & Financial Services, Vol. 39, No. 12 (December 2023).
- June 26, 2024
Testimony before the House Financial Services Subcommittee on Financial Institutions and Monetary Policy, at a hearing entitled "Stress Testing: What’s Inside the Black Box?" - April 18, 2024
Panelist and moderator, SIFMA Basel III Endgame Roundtable - February 2, 2024
Panelist, "The Politics of Financial Regulation," The Review of Banking and Financial Law and The Brookings Institution 2024 Symposium. - January 20, 2024
Panelist, "Deal or No Deal: Perspectives on Navigating the Current M&A Landscape," American Bar Association Banking Law Committee Meeting 2024 - October 26, 2023
PLI's 2023 Banking Law Institute - Events of Spring 2023: Bank Failures, Resolutions, Lessons Learned and What Comes Next - September 19, 2023
IntraFi's "Banking with Interest" Podcast with Rob Blackwell: Are Bank Regulators Overstepping Their Legal Authority? - July 12, 2023
Panelist and Moderator, "SIFMA Basel III Endgame Roundtable" - June 20, 2023
Panelist, "Promoting competition in banking," The Brookings Institution - May 19, 2023
Panelist, "The future of banking and FinTech: regulatory issues surrounding banks and digital financial services under the Biden Administration," Federalist Society's In-House Network Conference - May 10, 2023
Testimony before the House Financial Services Subcommittee on Financial Institutions and Monetary Policy, at a hearing entitled "“Federal Responses to Recent Bank Failures.” - March 9, 2023
Testimony before the House Financial Services Subcommittee on Digital Assets, Financial Technology and Inclusion, at a hearing entitled "Coincidence or Coordinated? The Administration’s Attack on the Digital Asset Ecosystem."
- Washington and Lee University (J.D. 2001); Princeton University (B.A. in History cum laude 1998)
- District of Columbia
- Senior Deputy Comptroller and Chief Counsel, Office of the Comptroller of the Currency (2018-2021); Chief Counsel, Deputy Chief Counsel, Senior Counsel, and Counsel, U.S. Senate Banking Committee (2018; 2005-2008)
2020 Comptroller's Award, Office of the Comptroller of the Currency