Andrew D. Bulgin, Member

Andy is a member of the Firm’s Securities Law, Business Law and Financial Services Groups.  His practice is split between corporate and securities matters and regulatory compliance.  Andy represents a wide variety of businesses, entrepreneurs and investors, with a particular focus on financial institutions and other regulated entities.  In addition to many of the federal- and state-chartered banks and credit unions that do business in Maryland, Andy has counseled an online education provider, a publicly-traded bakery, an international software reseller, a service provider for red light and speed camera operators, a clothing distributor, a pain-management device manufacturer, multi-state insurance agencies in all lines of authority, and a coal export terminal.

In his business law practice, Andy advises companies, owners and other investors with respect to capital raising efforts, represents both buyers and sellers in strategic transactions (asset purchases, stock purchases and mergers), assists publicly-traded companies with their disclosure and other obligations under the federal and state securities laws, helps entrepreneurs establish and operate Maryland corporations, limited liability companies and other entities, drafts equity and other compensatory plans, and advises companies with respect to investigations conducted by federal and state regulators.  Many of Andy’s clients consider him as their outside general counsel, as he regularly counsels executive management and boards of directors regarding their duties under Maryland corporation law and a wide array of day-to-day issues, including employment matters, executive separations, the protection of business assets, and general operations contracts.

Andy’s financial institution practice, which frequently dovetails with his business practice, focuses primarily on helping insured depository institutions comply with the myriad federal and state laws and regulations that govern their operations.  These matters include the formation of bank holding companies; investments in operating subsidiaries and other affiliates; mergers of banks and credit unions; branch expansion, closures and sales; charter conversions; securities and insurance networking agreements; loan sales and participations; the exercise of trust powers; and investigations and proceedings by federal and state regulatory authorities and the appeal of examination findings. In addition, Andy also has significant experience in the insurance arena, including multi-state agent licensing and the purchase and sale of agencies.