Andrew D. Bulgin, Member

Andy is a member of the Firm and practices in the Financial Services, Securities Law and Business Law Groups. His practice is split between corporate and securities matters and financial institution regulatory matters, and he represents a wide variety of clients, including bank holding companies, federal and state banks, savings associations and credit unions, a multi-state finance company, insurance agents within all lines of authority, an international software reseller, and a provider of online education courses.

Andy’s securities law experience includes advising companies on capital raising efforts and preparing and negotiating offering documents; assisting publicly-traded companies with their disclosure and other obligations under the Securities Act of 1933, the Securities Exchange Act of 1934 and stock exchange rules; drafting equity compensation plans; and advising entities and their principals with respect to investigations conducted by federal and state securities regulators. In his corporate practice, Andy regularly drafts and negotiates asset purchase, stock purchase and merger agreements for buyers and sellers; counsels boards of directors regarding their fiduciary duties under Maryland corporation law; and advises clients with respect to the formation and operation of Maryland corporations, limited liability companies and other entities. Many of Andy’s clients view him as their “outside” general counsel and rely on his experience to help them with a wide variety of day-to-day issues, such as employment agreements, executive separations, the protection of confidential and proprietary information and assets, and general operations contracts.

Andy's financial institution practice focuses primarily on helping 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 multi-state agent licensing and the purchase and sale of agencies.

As a leader in his areas of practice, Andy has presented numerous times for the Maryland Bankers Association and MICPEL.