DAVID E. TEITELBAUM has a broad regulatory practice for all types of financial institutions, including insured depository institutions and their holding companies, securities, insurance and finance companies and payment systems. He assists these companies in the wide range of regulatory issues that impact their business by providing a combination of regulatory guidance, transactional assistance and legislative planning. Some of his principal areas of focus include electronic banking and commerce, payments networks, strategic planning for structural and transactional matters such as mergers and acquisitions, interstate expansion and consolidation of operations, assisting in the development and packaging of new financial products such as cash management vehicles and other securities and annuities products, representation of diversified and nontraditional financial services holding companies and advising lenders on the changing environment for fair lending and community reinvestment compliance. Mr. Teitelbaum also is a frequent writer and speaker in the financial services area. His publications include numerous articles in The Business Lawyer as well as co-authorship of The Community Reinvestment Act: Policies and Compliance (Prentice-Hall Law and Business), the U.S. chapter of the International Monetary Fund book, Payment Systems of the World and contributions to The Law of Electronic Fund Transfers (Warren, Gorham & Lamont). Mr. Teitelbaum also served as a law clerk to the Honorable William A. Norris, U.S. Court of Appeals for the Ninth Circuit, during 1986-87.