Blanco Wilczynski assists its clients in the research and design of “non-traditional enhancement programs”, providing advice on a variety of regulatory compliance issues. Our attorneys have extensive experience with the formation and implementation of a large number of Insurance Programs, having worked with underwriters, brokers and administrators to place and administer unique insurance programs in the market place both domestically and in other countries. We have expertise in market enhancement insurance programs encompassing payment protection, equity protection, mortgage protection, involuntary unemployment protection, and identity protection.

Typically, Blanco Wilczynski’s clients want to know if a product they wish to sell will be considered insurance in a given market or if there are particular regulatory issues that may affect the sale of their insurance product.  Our attorneys have the expertise required to do deep research and have written opinion letters to clients for dozens of programs with regard to the issue of whether a particular product is insurance. 

We have broad experience analyzing regulatory acts such as the Dodd-Frank Wall Street Reform and Consumer Protection Act, other federal and state Consumer Protection Acts (such as the Federal Truth in Lending Act and the Fair Credit Reporting Act), and the Non-Admitted And Reinsurance Reform Act Of 2010. Our expert relationships with various state insurance agencies help our clients navigate through regulatory issues when our clients have faced regulatory scrutiny.

Our team has prepared numerous legal opinions and provided legal support for benefit programs such as travel benefits, credit card benefits, membership benefits, rental benefits and similar benefit programs and we have worked extensively with domestic partners and Lloyds to implement and place insurance programs in the U.S. and other countries.

Orlando Blanco leads this practice area.