Atty. J. Benjamin "Ben" Davis
Ben Davis advises banks and other financial institutions on a variety of issues related to financial institution services and operations. His practice also includes helping financial institutions address regulatory compliance issues, including data security, payment systems and consumer protection.
Profile Summary
About J. Benjamin "Ben" Davis at a glance
J. Benjamin "Ben" Davis is a business attorney based in Raleigh, North Carolina, practicing at Brooks, Pierce, McLendon, Humphrey & Leonard LLP. Admitted to practice in North Carolina, North Carolina Bar Association and North Carolina, Wake County. Educated at Yale University (JD, 1998) and Wake Forest University (BA, 1994). Recognitions include Best Lawyers in America — Banking and Finance Law (2026), Best Lawyers in America — Additional Areas of Practice: (2026), and Best Lawyers in America — Financial Services Regulation Law (2026). Serands clients in Raleigh, NC and the surrounding metropolitan area.
Want to Get Service From This Attorney?
Sign up free and choose one of the two methods below.
Have a legal question? Sign up free, submit it through the Ask the Attorney module and receive a focused answer from a specialist.
- Free to ask a question
- Answers from specialist attorneys
- Optional private / anonymous question
Request an online video meeting or an in-person consultation at the attorney's office. Pick a time that works for you and share the details securely.
- Online video meeting
- In-person at the attorney's office
- Secure messaging and payment
About
- Ben Davis advises banks and other financial institutions on a variety of issues related to financial institution services and operations
- His practice also includes helping financial institutions address regulatory compliance issues, including data security, payment systems and consumer protection
- In addition, Ben has experience helping companies draft and negotiate general business contracts, from general commercial terms and conditions (including purchase orders and other commercial documents subject to UCC Article 2) to complex licensing and services agreements
- Ben advises banks and other financial institutions on a wide variety of issues related to financial institution services and operations
- He has drafted and negotiated customer-facing and vendor-facing agreements in such areas as Internet banking, e-statements, deposit operations, remote deposit capture, mobile banking (including mobile capture), wire transfer, ACH origination and processing, credit and debit cards, interest rate swap agreements, deposit account control arrangements, lockboxes, safe deposit boxes, overnight depositories, ATMs, cash delivery services, and merchant services
- Ben also has deep experience with check negotiation and check fraud issues as well as powers of attorney
- Ben also has extensive experience in reviewing, drafting and negotiating core processing agreements
- He has advised numerous financial institution clients in negotiations with each of the major core processors, as well as other payment processing service providers
- Ben advises clients on a range of regulatory compliance issues affecting financial institutions and companies, including issues involving consumer protection requirements, such as: the Truth in Lending Act (Regulation Z)
- the Truth in Savings Act (Regulation DD)
- the Electronic Funds Transfer Act (Regulation E)
- unfair, deceptive, or abusive acts or practices (UDAAPs) under the Dodd-Frank Act
- the Real Estate Settlement Procedures Act (RESPA)
- the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
- the North Carolina SAFE Act
- electronic transactions (such as the Electronic Signatures in Global and National Commerce Act (E-Sign Act))
- the Uniform Electronic Transactions Act (UETA)
- and financial institution reporting, including the Bank Secrecy Act and requirements stemming from the U.S
- Treasury Department’s Office of Foreign Assets Control (OFAC)
- In addition to working with various federal banking agencies (including the FDIC, Federal Reserve and Consumer Financial Protection Bureau) in addressing client needs, Ben has experience representing clients before the Office of the North Carolina Commissioner of Banks as well as in the North Carolina General Assembly
- Ben has worked with numerous clients on addressing issues arising from financial privacy and data security requirements, including privacy notices, attestation standards for third party IT audits, responses to security breaches, and restrictions involving disclosures of financial information to law enforcement, federal and state agencies and private third parties
- Ben has advised clients on requirements stemming from Title V of the Gramm-Leach-Bliley Act (Regulation P), the federal Right to Financial Privacy Act, the North Carolina Financial Privacy Act, FFIEC guidance involving internet banking and data security, the Payment Card Industry Data Security Standards (PCI DSS), the federal Freedom of Information Act and North Carolina’s public records laws
- Ben advises clients on various aspects of captive insurance, including providing guidance on state captive insurance laws and regulations, including licensure requirements, regulatory filings, reporting requirements and regulatory risks
- Ben also advises clients on the drafting and negotiation of reinsurance and retrocession agreements
Practice Areas Explained
J. Benjamin "Ben" Davis's Areas of Practice
Each practice area below reflects the types of cases J. Benjamin "Ben" Davis handles, with a brief overview of what that area of law covers.
Business attorneys advise founders and growing companies on entity formation, contracts, financing, M&A, and dispute resolution.
J. Benjamin "Ben" Davis is one of 501,317 business attorneys indexed nationally. Browse business attorneys in North Carolina →
Jurisdictional Context
Why local counsel matters in North Carolina
Practicing law in North Carolina. Legal matters in North Carolina are governed by state-specific rules of civil and criminal procedure, statutes of limitations, and substantive law. Cases originating in Raleigh are typically filed in the local municipal court or the appropriate North Carolina state district court, depending on subject matter and amount in controversy. An attorney licensed in North Carolina brings working knowledge of local procedural deadlines, judicial practices in this andnue, and the substantive law that applies to cases brought here. Out-of-state attorneys generally cannot represent clients in North Carolina courts without local counsel or pro hac vice admission.
Looking for additional North Carolina attorneys? Browse all attorneys in Raleigh or all attorneys in North Carolina.
Frequently Asked
Common questions about J. Benjamin "Ben" Davis
Where is J. Benjamin "Ben" Davis's law office located?
What practice areas does J. Benjamin "Ben" Davis handle?
Where did J. Benjamin "Ben" Davis go to law school?
How can I contact J. Benjamin "Ben" Davis for a consultation?
What awards or recognition has J. Benjamin "Ben" Davis received?
Practice Areas
Education
Awards
Bar Admissions
Reviews
No reviews yet.