About Christina J. Grigorian

When lenders or their capital sources need regulatory counsel about the lenders' compliance or operations, they turn to Christina Grigorian. Clients rely on Christina's thorough understanding of the complex regulatory environment in which lenders do business, as well as her practical approach to compliance and understanding of the broader consumer and commercial credit market. She advises banks, bank holding companies, and state-licensed consumer and commercial lenders, as well as providers of capital to consumer and commercial lending businesses, including those that offer their products and services on a "fintech" platform.

The regulatory advice lenders need to succeed

Christina's first priority when advising clients is to ensure that the products they offer or deals they fund comply with all applicable laws related to providing consumer or commercial credit in the US marketplace. For every client, she develops a thorough understanding of the operational, market and reputational challenges they face in order to provide the most actionable, practical compliance advice.

Christina finds solutions that allow her clients to finance transactions or conduct business with the assurance that all credit-related regulatory issues have been addressed. These are usually complex matters that demand painstaking attention to detail, while staying mindful of overarching business objectives and the market in which products will be offered.

One of Christina's most complicated transactions required more than six bank regulatory applications before it closed. That persistence is typical of her work, but so is the creativity that she has shown in advising clients on complexities related to business relationships that bring new products to market. In addition to her extensive work for lenders, she also conducts third-party consumer and commercial lender audits on behalf of capital sources.

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Practice Focus

  • Regulatory counsel on structural, operational and compliance issues
  • Establishment of nonbanking commercial and consumer lending entities
  • Bank program agreements
  • State licensing regulations and applications (including consumer and commercial lending and money transmission)
  • Credit card and electronic payment networks, network processing, network participation agreements
  • Credit card operations, including private-label card agreements and consumer documentation
  • USA Patriot Act, Bank Secrecy Act and US Office of Foreign Assets Control compliance

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Practices
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Education
  • University of Maryland Francis King Carey School of Law, JD, with honors
  • The George Washington University, MA, with honors
  • The George Washington University, BA
Bar Admissions
  • Maryland
  • District of Columbia
Community Involvements
  • American Bar Association
  • Bar Association of the District of Columbia
  • Law360, Banking Editorial Board, 2024, 2025
  • Maryland State Bar Association
  • Washington National Cathedral, All Hallows Guild, Past President