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 core processing, 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 extensive experience with check negotiation and check fraud issues as well as powers of attorney.

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Ben advises his 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.

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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.

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Ben has worked with radio and television stations, as well as cable companies, in meeting regulatory compliance requirements imposed by the Federal Communications Commission.

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Selected by his peers for inclusion in The Best Lawyers in America© in Banking and Finance Law (2013-2018)

Member, North Carolina Bar Association, 2002-present

Member, Business Section, American Bar Association, 2002-present

Member, Wake County Bar Association, 2002-present

Member, North Carolina Professional Lobbyists Association, 2011-present

"Banking Modernization Bill: The Road Ahead," Carolina Banker, Summer 2012.

"Updated FFIEC Authentication Guidance Raises the Bar for Online Security Procedures," Carolina Banker, Winter 2011.

"Regulation Z: Restrictions on Mortgage Loan Originator Compensation," Legal Memorandum, Vol. 43, No. 2, 2011, North Carolina Bankers Association.

"North Carolina Bankers Guide to Powers of Attorney," 2nd Edition (published by North Carolina Bankers Association 2008).

"E-SIGN and Electronic Statements," Legal Memorandum, Vol. 39, No. 9, 2007, North Carolina Bankers Association.

"New Law on Remotely Created Checks", Legal Topics Bulletin, July 2006.

"North Carolina Identity Theft Protection Act," Legal Memorandum, Vol. 37, No. 14, 2005, North Carolina Bankers Association.

"Check 21 and Check Retention Requirements," Legal Memorandum, Vol. 36, No. 10, 2004, North Carolina Bankers Association.

"Check 21 Act," Legal Memorandum, Vol. 36, No. 6, 2004, North Carolina Bankers Association.

Co-Author, "Child Support Enforcement and North Carolina Banks," Legal Memorandum, Vol. 35, No. 10, 2003, North Carolina Bankers Association.


One of my formative experiences as a young man was attending the U.S. Army’s Airborne School at Fort Benning, Georgia. There are a lot of valuable things one learns on the way to graduating from jump school, but one was particularly surprising. We were taught that after your parachute has opened and you’re about to land, the worst thing you can do is look down. If you do, you’re likely to think the ground is closer than it really is; as a result, you can extend your legs too soon and end up badly hurt. We were trained instead to keep our eyes on the horizon – that way, you’re not distracted by the ground and you can rely on your training once you feel your feet touch the ground.

I’ve found that’s pretty good advice for practicing law, as well. Short-term challenges have a way of distracting us from the bigger picture; keeping our eyes on the horizon is the key to positioning clients for long-term success.

I love helping clients solve problems. If you take the time to understand a complex problem, often there is a fairly straightforward solution.

Recent Publications & Media

Speaking Engagements

February 25, 2015

Brooks Pierce Partner Speaks at 2015 Real Property Hot Topics Program

Brooks Pierce partner Ben Davis was selected to present at the North Carolina Bar Association’s 2015 Real Property Hot Topics Program on Friday, February 20. Titled “The Art of the e-Deal: Harnessing Technology in the Modern Real Estate Law Practice,” the program provided an in-depth look at the...Read more

Recent Publications & Media