Andrew D. Bulgin, Member

Hero Image for page
  • I develop trust in my relationships and provide clients with the best solutions in the most thoughtful and efficient manner possible.

    Andy represents businesses in regulatory, corporate and securities matters.

410-576-4196 (fax)


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, multistate 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 has significant experience in the insurance arena, including multistate agent licensing and the purchase and sale of agencies.


AV Preeminent rating in Martindale-Hubbell®

Named to the 2010-2012 lists of Maryland Rising Stars in Securities & Corporate Finance, Banking and Business/Corporate by Maryland Super Lawyers®


Professional and Civic Involvement

Member, American Bar Association

Member, Maryland State Bar Association

Member, Bar Association of Baltimore City

Member, Executive Committee & Co-Chair, Lawyers' Campaign, The CollegeBound Foundation

Vice President, Maryland Rifle Club, Inc.

Faculty Member, MICPEL, "Securities Law: The Basics and Best Practices," 2004

Publications and Lectures

410-576-4196 (fax)


Financial Services


J.D., Pennsylvania State University Dickinson School of Law, 1998
B.S.M.E., University of Maryland, College Park, 1995

Bar Admissions

Maryland, 1998