Experienced FDIC Waiver Attorneys.



Begin the Section 19 FDIC Waiver application process by signing up online today.
No wait, no hassle

Get your life back
with Lifeback Legal.


  • Case handled by an FDIC waiver lawyer licensed in California.
  • Expedited filing on all waiver applications
  • Affordable, flat fees including attorney fees.
  • Interest-free payment plans.
  • 14-day price matching guarantee.
FDIC waiver
FDIC waiver

Obtain a Section 19 FDIC Waiver


If you have a criminal record for a crime of dishonesty, breach of trust, or money laundering, you will likely need to obtain clearance from the Federal Deposit Insurance Corporation (FDIC) – even if your case has been expunged under state law.

WHAT IS A SECTION 19 FDIC WAIVER?

Simply put, a way to get your life back.

Under Section 19 of the Federal Deposit Insurance Act (12 U.S Code § 1829), all FDIC-insured institutions and their affiliates (i.e., banks, credit unions, etc) have a duty to make a reasonable examination of every applicant’s criminal history in order to avoid hiring someone who has an offense of dishonesty, breach of trust, or money laundering.

If an employment applicant has one of these offenses, they cannot work at a bank or other FDIC insured institution without the written consent of the FDIC.

An applicant may obtain the FDIC’s written consent by applying for a Section 19 FDIC Waiver. The applicant has the burden of proving that they are still fit to work at an insured institution, do not pose a risk to its safety, or impair the public’s confidence in it.

Lifeback Legal is a division of the law firm of Randall & Johnson. Our law firm has become one of the leading providers of Section 19 waivers, and have had many banking professionals come through our doors, get their FDIC waivers granted, and go on to continue working successfully at various banking institutions. In addition, since Section 19 Waivers are an area of federal administrative law, we accept cases throughout the country. So whether you’re in California or Texas, we can help. We also expedite your application.

Our well rounded approach can easily make the difference between success and failure. When it comes to your career and your livelihood, why risk it? We give you the best shot possible, and, while we cannot guarantee success, we do our very best and represent you zealously and intelligently in order to allow you a career in banking and finance working with FDIC insured financial institutions.

Begin the Section 19 FDIC waiver application process online today or contact our office of experienced FDIC waiver attorneys today.

 

HOW DO I KNOW IF I QUALIFY FOR A SECTION 19 FDIC WAIVER?

Begin the Section 19 FDIC waiver application process online today or contact our office of experienced FDIC waiver attorneys today.


An applicant must file for a waiver if they are not a “youthful offender” or a “juvenile delinquent,” obtain a conviction or enter into a pretrial diversion or similar program for a for a crime of dishonesty, breach of trust, or money laundering, and their record does not fit within the de minimis exception.

Youthful Offender Adjudgments. An adjudgment by a court against a person as a “youthful offender” under any youth offender law, or any adjudgment as a “juvenile delinquent” by any court having jurisdiction over minors as defined by state law does not require an application. Such adjudications are not considered convictions for criminal offenses. Such adjudications do not constitute a matter covered under Section 19 and is not an offense or program entry for determining the applicability of the de minimis offenses exception to the filing of an application.

There must be a conviction. Arrests, pending cases not brought to trial, acquittals, or any conviction that has been reversed on appeal are not considered convictions.

FDIC waiver

Obtain clearance from the FDIC


Have Confidence Obtaining a job in the financial sector.

If you participated in a per-trial diversion program, a waiver is still required. A pre-trial diversion program is one that suspends or dismisses the criminal charges when the accused agrees to a non-criminal or non-punitive alternative. Whether a program is considered a pretrial diversion, is determined by relevant federal, state, or local law. The FDIC will consider each on a case-by-case basis.

Finally, the crime must be one of dishonesty, breach of trust, or money laundering:

  • Dishonesty’: acts involving lack of integrity, or acts that show a disposition to distort, cheat, or act deceitfully, or fraudulently;
  • Breach of trust’: a wrongful act, use, misappropriation, or omission with respect to any property or fund that has been committed to a person in a fiduciary or official capacity, or the misuse of one’s official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission;
  • Money laundering’: this includes trafficking, selling, manufacturing, distributing, or transporting controlled substances or drugs. Simple drug possession is not include.

SOME DISMISSED OR EXPUNGED CASES STILL REQUIRE AN FDIC WAIVER


If your offense falls in one of the above categories, the FDIC still requires an individual FDIC waiver if you completed a pre-trial diversion program, paid a fine, or completed any other deferred adjudication. This includes any “expunged” cases. For purposes of the FDIC, you case is not expunged unless it is a ‘complete expungement,’ A ‘complete expungement’ means, no one, (including law enforcement), can be allowed to access the record, even by court order.

We can examine your case and advise you on whether or not you need a waiver for your dismissed case.


UNDERSTANDING THE DE MINIMIS WAIVER


Finally, please note that the FDIC does not require an FDIC waiver for every offense which is covered under its rules. If your case falls under the de minimis category, then you are automatically granted a waiver and an application is not required.

In 2018, the FDIC clarified in their Statement of Policy that the following three categories will be considered de minimis:

  • Convictions or program entries based on a simple theft of goods, services, and/or currency (or other monetary instrument) where the aggregate value of the currency, goods and/or services taken was $500 or less at the time of conviction or program entry
  • Provided there is no other conviction or program entry for a covered offense, convictions or program entries based on the use of a fake, false, or altered identification card by a person under the legal age for the purpose of obtaining or purchasing alcohol, or used for the purpose of entering a premise where alcohol is served but for which age appropriate identification is required
  • Convictions or program entries of record based on the writing of “bad” or “insufficient funds.” These shall be considered a de minimis offense under and will not be considered as having involved an insured depository institution if the following applies:
    • There is no other conviction or program entry subject to Section 19, and the aggregate total face value of all “bad” or “insufficient funds” check(s) cited across all the conviction(s) or program entry(ies) for bad or insufficient funds checks is $1,000 or less; and
    • No insured depository institution or insured credit union was a payee on any of the “bad” or “insufficient funds” checks that were the basis of the conviction(s) or program entry(ies).

If your case does not fall under one of these carved out exceptions, then you must meet all of the following criteria for the de minimis waiver:

  1. You may only have one covered offense;
  2. The offense was punishable by imprisonment for a term of 1 year or less and/or a fine of $2,500 or less, and the individual served three (3) days or less of actual jail time;
  3. The conviction or program was entered at least five years prior to the date an application would otherwise be required; or, if the actions that resulted in a covered conviction or program entry of record all occurred when the individual was 21 years of age or younger, the conviction or program was entered at least 30 months prior to the date an application would otherwise be required and all sentencing or program requirements have been met; and
  4. The offense did not involve an insured bank or credit union (unless it is a “bad” or “insufficient funds” check case for $1,000 or less and the check did not have a bank or credit union as the payee)

To determine the potential punishment, you will need to consult an attorney who can pull the code for the specific year in which your offense was committed.


WE ARE EXPERIENCED FDIC WAIVER ATTORNEYS WHO EXPEDITE YOUR APPLICATION


We expedite all aspects of your case to give you the best chance to obtain your waiver quickly, although we cannot provide time-frame guarantees because FDIC waivers are considered on an unpredictable basis.

The FDIC Section 19 Waiver application process is complex and treated very seriously regardless of the offense type. For example, a somewhat minor theft offense could be the reason for your waiver denial. Also, remember that the burden is on the applicant to show that the application should be approved. This means that you want an experienced FDIC Waiver attorney.

As experienced FDIC Waiver attorneys, we have seen it all before and we are experienced at presenting your case in the way that the FDIC wants. We also know what evidence needs to be gathered to support you case. We are also aware of the record that a waiver application creates and we ensure that we do not cause undue prejudice to you in the future if it can be avoided.

Begin the Section 19 FDIC waiver application process online today or contact our office of experienced FDIC waiver attorneys today.

FDIC waiver

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    HOW DO I GET STARTED?


    Once you hire us, Lifeback Legal handles everything for you.


    FDIC waiver

    Shea M. Randall

    Attorney

    Lifeback Legal is a division of the Law Firm of Randall & Johnson, a trusted California Law Firm. We have become one of the leading providers of Section 19 waivers and specialize in helping individuals get their life back with California criminal record expungements and federal licensing services. In addition, since Section 19 Waivers are an area of federal administrative law, we accept cases throughout the country. So whether you’re in California or Texas, we can help.

    Since the FDIC Section 19 Waiver application process can be long and challenging, you do not want to feel like a number. This is why when you contact our office you will be in direct contact with our attorneys. Our law office provides outstanding one-on-one communication with clients to ensure all of your legal needs are met and will be in close contact throughout the entire FDIC Section 19 application Waiver process.

    The entire FDIC Section 19 Waiver process typically takes several months or more, depending on the case load involved at the FDIC. Once submitted, an FDIC regional representative begins to review your case and then submits it to an FDIC prosecutor at the national office with their recommendation to either grant or deny your request for an individual Section 19 FDIC Waiver.

    Throughout this process there are often on-going conversations between the FDIC representatives and your attorney. The length of the Section 19 FDIC Waiver process and the nature of the inquiries often depends on how soon the application is submitted and on the quality of your initial Section 19 FDIC Waiver Application. This is why we expedite your submission and why it is absolutely crucial to have an attorney who is experienced in handling individual Section 19 FDIC Waivers.

    Begin the Section 19 FDIC waiver application process online today or contact our office of experienced FDIC waiver attorneys today.


    FDIC Waiver
    $4,000
    Payment Options Available.
    Flat Fee. Includes all attorney fees. Nothing hidden.
    Begin My Section 19 FDIC Waiver Application

    FDIC waiver

    INCLUDES THE FOLLOWING:


    • Case handled 100% by an experienced FDIC Waiver attorney
    • Start for as low as $750 down
    • Interest Free Payment Plans
    • Student Discount Available
    • Expedited Submission to the FDIC
    • Allows for Bank Employment
    • Fixed, Flat Fee
    • Outstanding Customer Service

    Attorneys are only licensed to practice law in California. Attorneys’ offices are only located in California. However, pursuant to United States Code of Federal Regulations 8 C.F.R. § 1.2 and United States Code 5 U.S.C. § 500, Attorneys may practice Federal Administrative Law and represent an individual located outside of California within the parameters of Federal Administrative Law. Attorneys will NOT advise clients on the laws of any State or any State law legal matters (with the exception of California).

    ** This service counts as a credit to the full FDIC Waiver under Section 19. Please note that we only pull up to $50 of court records. Anything additional will be billed to you directly.

    Experienced FDIC Waiver Attorneys.



    Begin the Section 19 FDIC Waiver application process by signing up online today.
    No wait, no hassle

    Get your life back
    with Lifeback Legal.

    • Case handled by an FDIC waiver lawyer licensed in California.
    • Expedited filing on all waiver applications
    • Affordable, flat fees including attorney fees.
    • Interest-free payment plans.
    • 14-day price matching guarantee.
    FDIC waiver

    Need assistance?
    Call (888) 751-5329.