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Neal J. Curtin

Of Counsel

As of November 24, 2014 practicing with Morgan, Lewis & Bockius LLP.

Neal J. Curtin is Chair of the firm’s Financial Institutions Corporate and Regulatory Group. The group was ranked nationally for Financial Services Regulation - Banking (Compliance) in Chambers USA 2014, and is part of both a Banking and Finance and Financial Services Regulation practice that were ranked National Tier 1 in the 2015 Best Law Firm rankings, sponsored by U.S. News & World Report and Best Lawyers. Individually recognized in Chambers USA as “encyclopedic in his knowledge” of financial services regulation, Neal offers significant international experience and is praised by his clients for his “incredibly fast turnaround” and for being “a really talented lawyer.” Focusing his practice on financial institutions, Neal has broad experience with domestic and international transactions.

For more than 30 years, Neal has been actively involved in corporate, bank holding company and bank mergers, acquisitions, conversions, and restructurings. He has led the legal work in international transactions in sub-Saharan Africa, South America and the Caribbean, and he has represented banks and other international companies establishing operations or making acquisitions in the United States. Neal has also advised both U.S. and non-U.S. companies on licensing and other regulatory issues relating to establishment of mobile payment systems in the U.S. His regulatory experience involves practice before all of the federal bank regulatory agencies, as well as the Office of the Commissioner of Banks of the Commonwealth of Massachusetts and the bank regulators of other states.

In addition, he has served as an external legal consultant to the central banks of Uganda and Rwanda and to the governments of Ghana and Tanzania. Neal’s international experience encompasses work for financial ministries and central banks in Albania, Iraq, Yemen, Egypt, Bosnia-Herzegovina and Macedonia through such organizations as Financial Services Volunteer Corps and the U.S. State Department’s Middle East Partnership Initiative.

Other Involvements

  • Neal is a member of the Executive Committee, the secretary, the past chairman of the Governance Committee and a trustee of the Dana-Farber Cancer Institute in Boston.
  • Neal served as a Trustee of the Massachusetts Hospital Association as a representative of the Dana-Farber Cancer Institute.
  • He is a trustee emeritus of Berklee College of Music, having served on the Executive Committee and as chairman of the Trustee Academic Affairs Committee and Presidential Search Committee.
  • He served through 1998 as a director of Citizens Corporation, a NYSE-listed property and casualty insurance holding company and subsidiary of Allmerica Financial of Massachusetts.
  • Neal has been active for many years in Harvard alumni activities. He has served on the board of governors of the Harvard Club of Boston and was co-chair of the club’s Schools and Scholarships Committee for many years. He is also former director of the Harvard Alumni Association and has chaired the Nominating Committee for Overseers of Harvard University and HAA Directors. He has served as a member of the Harvard Advisory Committee on Shareholder Responsibility and the HAA Alumni Awards Committee.
  • He is a former commissioner by gubernatorial appointment of the Finance Commission of the City of Boston.
  • He frequently lectures on various bank corporate and regulatory topics.
  • Neal has a PADI Master Scuba Diver Rating.


Neal’s recent experience includes:

  • Assisting a non-U.S. bank in establishing its first Yankee CD program
  • Assisting an international bank holding company with a nonvoting equity investment in a US commercial company
  • Assisting an international bank holding company on regulatory authority issues
  • Assisting a non-U.S. business client regarding mobile payment services issues prior to U.S. business launch
  • Assisting a large overseas Internet dry good market site with U.S. payments/money services/escrow licensing issues
  • Assisted the Financial Services Authority of Albania in the preparation of proposed legislation
  • Assisted a large international bank in conducting a review of its inventory of banking rules and regulations
  • Advised Altrinsic Global Advisors on regulatory matters related to becoming a bank holding company affiliate
  • Assisted the Central Bank of Iraq in matters relating to its independent status
  • Assisted private equity funds with investments in failed bank roll-ups
  • Assisted the government of Yemen in assessing the establishment of its first stock exchange
  • Assisted the government of Egypt in connection with the establishment of a commodity futures exchange
  • Assisted the government of Bosnia-Herzegovina with the privatization of a parastatal bank
  • Acted as a consultant on bank regulatory matters for the National Bank of Macedonia
  • Participated in a financial sector assessment of Yemen and follow-up work assisting a Yemeni parastatal bank under the sponsorship of the U.S. State Department’s Middle East Partnership Initiative


  • What You Need to Know About the U.S. Financial Reform, Boston, Mass. and New York, N.Y. (2010)
  • Overview of the Banking Provisions of H.R. 4173, the Dodd-Frank Act, Financial Regulatory Reform: An Initial Analysis, Westborough, Mass. (July 27, 2010)
  • Introduction to Banking Law, Presentation to MIT Sloan School of Management, Boston, Mass. (Nov. 25, 2009)
  • U.S. Failed Bank Resolution Procedures, Presentation to representatives of Bank of Albania, Washington, D.C. (Sept. 28, 2009)
  • Developments Update for The Buck Starts Here: Perspectives on the Financial Crisis series, sponsored by the Boston Bar Association, Banking & Financial Services Committee and Morin Center for Banking and Financial Law, BU School of Law (April 22, 2009)
  • The Financial Crisis in the U.S.: Private Sector Perspective, Forum on the Global Financial
    Crisis, Effects and Suggested Remedies: UAE Perspective sponsored by the Securities &
    Commodities Authority of Abu Dhabi, UAE (Jan. 25, 2009)
  • The Legal Environment for Financial Services M&A (webcast) Bank Director (August 2005)
  • Structuring U.S. M&A Transactions, M&A Adviser Seminar, Lagos, Nigeria (Sept. 6–8, 2004)
  • Acquisition Documentation, M&A Adviser Seminar, Lagos, Nigeria (Sep. 6–8, 2004)
  • Directors Fiduciary Duties, M&A Adviser Seminar, Lagos, Nigeria (Sep. 6–8, 2004)
  • Nigerian Banking Industry Developments, M&A Adviser Seminar, Lagos, Nigeria (Sept. 6–8, 2004)



  • American Bar Association
  • American Bar Association Business Law Section Banking Law Committee
  • Boston Bar Association
  • Former chairman of the Boston Bar Association Banking Law Committee
  • Massachusetts Bar Association

Awards & Honors

  • Best Lawyers, Banking and Finance and Financial Services Regulation (2014–2015)
  • Chambers USA: America’s Leading Lawyers for Business, Band I in Banking & Finance: Corporate and Regulatory (Massachusetts), (2008–2014)
  • Chambers Global: World’s Leading Lawyers for Business (2006–2007)
  • Expert Guides: Guide to the World’s Leading Banking Lawyers 2009, “Leading Expert” in the United States
  • Best Lawyers in America, included for more than 14 years
  • Listed in both Guide to the World’s Leading Banking Lawyers and Leading Banking Lawyers
  • Practical Law Company’s Global Counsel 3000 (9th Edition), Highly Recommended in Banking and Finance; Recommended in Corporate Finance, M&A Matters and Joint Ventures

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