Robert H. Ledig

Meet the Managing Director


Robert H. Ledig


Robert H. Ledig is Managing Director of the Financial Technology & Cybersecurity Center. He is a Senior Fellow at the Center for Assurance Research and Engineering at George Mason University's College of Engineering and Computing. He is an Adjunct Professor of Law at George Mason Univerity's (GMU's) Scalia Law School.

He has extensive experience in banking and financial services regulation and related financial technology, privacy and information security, corporate, securities, administrative law, and litigation matters. He has written and spoken widely on financial services issues.

He is an editor and author of a number of books, including: The Volcker Rule: Commentary and Analysis (Thomson Reuters 2014), Dechert LLP's Analysis of Financial Regulatory Reform [Dodd-Frank Act] for the American Bankers Association (2010), 21st Century Money, Banking & Commerce (1998), Management of Risks Created by Internet-Initiated Value Transfers (National Automated Clearing House Association 1995), The Fair Lending Guide (Glasser Legal Works 1995), and Contracting with the RTC and FDIC (Prentice Hall Law and Business 1991). He was Chair of the Electronic Financial Services Subcommittee of the Cyberspace Committee of the American Bar Association.

He was Director of the Program on Financial Regulation & Technology and a Professor of Law at Scalia Law School from 2018 to 2021. He taught classes on FinTech, Regulation of Financial Institutions, Banking Law, and Privacy & Information Security Law. Prior to that he was an Adjunct Professor of Law at the school for more than 20 years.

He was a partner at Vartanian & Ledig, PLLC, a Washington, D.C. financial services law firm, from 2018 to 2023. He practiced law in the Financial Services groups at Dechert LLP and Fried Frank Harris Shriver & Jacobson LLP from 1984 to 2018. Prior to that, he was an attorney at the Federal Home Loan Bank Board.

He has a J.D. from George Washington University Law School and a B.A. from Harpur College at the State University of New York at Binghamton.




Co-author, Chapter – Regulation of Investment Advisers Subject to US Federal Banking Law, US Regulation for Asset Managers Outside the United States (2d Edition, Thomson Reuters 2017)

Co-editor, co-author, The Volcker Rule: Commentary and Analysis (Thomson Reuters 2014)

Editor, co-author, Dechert LLP’s Analysis of Financial Regulatory Reform [The Dodd-Frank Act] for the American Bankers Association (2010)

Editor, co-author, 21st Century Money, Banking & Commerce (Fried, Frank, Harris, Shriver & Jacobson LLP 1998)

Co-author, The Management of Risks Created by Internet-Initiated Values Transfer (National Automated Clearing House Association 1995) 

Co-author, The Fair Lending Guide (Glasser Legal Works 1995)

Co-author, Contracting with the RTC and FDIC (Prentice Hall Law and Business 1991)

Selected Articles (co-authored)

No, Federal Home Loan Banks didn't cause the SVB collapse, The Hill, May 1, 2023

Buy-Side Beware: New Limits on Insolvency-Related Remedies in Certain QFCs, The Review of Banking & Financial Services, April 2018

Bank Enforcement 2016: Enforcement Action Returns To Pre-Financial Crisis Levels With a Focus on Major Actions, BNA’s Banking Report, August 31, 2017

Asset Management Regulation Remains in Flux, Law 360, October 15, 2015

Disparate Discrimination Remains in the Spotlight, Law 360, September 24, 2013

U.S. Consumer Financial Protection Bureau Acts to Expand Its Authority Over Nonbank Financial Services Companies, Financial Fraud Law Report, September 2013

Home Lenders’ Fair-Lending Dilemma, American Banker, March 4, 2013

FSOC Issues Proposed Recommendations on Money Market Fund Reforms, The Investment Lawyer, October 2013

Oversight Council Pursued US Financial Stability in 2012, New York Law Journal, December 7, 2012

Comparative Analysis SIFIs – Too Big to Fail, International Financial Regulation (BNA International), November 201

Minimizing the Dodd-Frank Burden, American Banker, January 2011

Ramping Up Rules for Covered Financial Companies, Law 360, November 2010 

Update the Rules for Private-Equity Stakes, American Banker, August 29, 2008

Some New Dynamics for Troubled Institutions, American Banker, July 18, 2008

So Your Company Has Suffered a Data Security Breach – What Next? Consumer Finance Law Quarterly Report, Summer 2006

FDIC’s Fresh Thinking on Stored Value, American Banker, October 21, 2005

Legal and Business Implications of the Future of Electronic Payments, Electronic Banking and Commerce Report, April 2004

A Survey of Selected Federal Regulatory and Legal Developments in Electronic Financial Services, Business Lawyer 1997

Georgia Internet Law Raises Jurisdictional Questions for Electric Commerce, Electronic Banking Law and Commerce Report, February 1997

Echoes of the Past With Implications for the Future: The Stamp Payments Act of 1862 and Electronic Commerce, BNA’s Banking Report, Vol. 67 pp. 465-470, September 25, 1996

Disparate Impact Discrimination: Fair Lending at a Crossroads, Consumer Finance Law Quarterly Report, Winter 1995

Proposed CRA Rules Go Beyond Clear Boundaries of Law, Banking Policy Report, June 19, 1994

Hard Choices: Post FDIC-Improvement Act Challenges for Bank and Thrift Boardrooms, Bank Governance Law Reporter, February 1992

RTC: The Grim Repudiator, Journal of RTC Real Estate, September/October 1991

RTC Asset Management Opportunities for Banks and Thrift Institutions, The Review of Banking and Financial Services, March 13, 1990

Thrift Takeover and Acquisitions of Control, Financial Services Regulation, December 10, 1986


Robert H. Ledig Recent Appearances

  • AI and Financial Services, George Mason University's AI and CIO Leadeship Conference, May 16,2023
  • FinTech Developments in the Banking Sector, PLI FinTech 2022, December 2, 2022
  • The Future of Cryptocurrency Regulation, Public Policy Exchange Webinar, March 7, 2022
  • Fintech-Bank Lending Collaboration Issues: Financial Services Cybersecurity, Federal Agency Presentation, October & November 2021
  • FinTech Developments in the Banking Sector, PLI Webinar FinTech 2021, August 9, 2021
  • Bank Technology Issues Presentation, Office of the Comptroller of the Currency, Chief Counsel's Office, January 12, 2021
  • Consumer Finance and Big Data, AI, Social Media, and Alternative Credit Scoring: Opportunity or Infringement, Scalia Law Program on Financial Regulation & Technology/The Conference on Consumer Finance Law, December 9, 2020
  • Credit Union Technology Issues Presentation, National Credit Union Administration Office of General Counsel, December 7, 2020
  • FinTech Developments in the Banking Sector, PLI Webinar FinTech 2020, August 10, 2020
  • Pushing Past the Pandemic, Program on Financial Regulation & Technology, Scalia Law School, July 15, 2020
  • Bank Technology Issues Presentation, FDIC Corporate University, May 6, 2020
  • Interview regarding data privacy, Federal Reserve Bank of Atlanta 2019 Financial Markets Conference (Amelia Island, Florida), May 20, 2019
  • The Emerging Peer-to-Peer Economy: How Blockchain and Marketplace Lending Can Drive Economic Innovation, Program on Financial Regulation & Technology, Scalia Law School, May 16, 2019
  • Legislative Update, Federal Financial Institutions Examination Council, April 4, 2019
  • Privacy and Data Use in the Financial Sector, Ninth Annual Financial Services Forum, Law & Economics Center, Scalia Law School, April 3, 2019
  • A Different Perspective on Big Data, Center for Protection of Intellectual Property, Scalia Law School, October 12, 2018