Victoria P. (“Penny”) Rostow is a consultant in the Public Law & Policy Strategies Practice and Co-head of the Financial Institutions Group of Sonnenschein Nath & Rosenthal LLP, specializing in assisting complex financial institutions in regulatory, legislative and political matters. Ms. Rostow has a range of experience in financial regulatory, policy and legislative matters and has counseled banks and other complex financial institutions on matters ranging from general regulatory and consumer credit issues, chartering and acquisition issues, and has provided strategic advice on pending regulatory and legislative issues. Prior to joining Sonnenschein, Ms. Rostow served as Senior Vice President and Head of Federal Government Relations for Bank One Corporation, where she directed all federal representation and lobbying of Congress, the Executive Branch and the Federal Financial Service Regulatory Agencies. Following Bank One’s merger with JP Morgan in late 2004, Ms. Rostow served as its Senior Vice President and Co-Head of Federal Government Relations, where she assumed primary responsibility of all federal regulatory and legislative issues related to JP Morgan’s investment bank and mortgage operations. Ms. Rostow served as the Deputy Assistant Secretary for Domestic Finance and Banking Legislation under Treasury Secretary Robert Rubin, where she led Treasury’s efforts to enact the bill that eventually became the Gramm-Leach-Bliley Act. She also directed legislative and regulatory activities relating to e-commerce, privacy, the deposit insurance funds, Community Reinvestment Act, Community Development Financial Institutions Fund and Government-Sponsored Enterprise issues for the Treasury Department. From 1987 to 1990 she served as Director of Medical Liability Studies for the Institute of Medicine of the National Academy of Sciences, where she published two major studies on medical malpractice reform. Ms. Rostow’s prior private practice work includes specialization in banking and housing finance law and legislation. Ms. Rostow is the Vice Chairman of the Exchequer Club, serves on the Board of American Friends of King’s College Cambridge and the Oxford-Cambridge Committee and is a member of the American Law Institute. She was an Adjunct Professor of Law at Georgetown Law School and speaks and writes frequently on banking, e-commerce and foreign investment issues. Ms. Rostow is a magna cum laude graduate of Yale College, has a Masters degree in Economics from Kings College, Cambridge, and graduated with honors from Yale Law School, where she was a Senior Editor of The Yale Law Journal. Following law school, she clerked for Judge Stephen Reinhardt on the U.S. Court of Appeals for the 9th Circuit.