Contact Information

Amy Greenwood-Field is a nationally recognized leader in multistate licensing and regulatory compliance, with a focus on the Nationwide Multistate Licensing System & Registry (NMLS). She works with depository and non-depository institutions, FinTech companies, mortgage brokers and servicers, bank partners, installment lenders, consumer and commercial lenders, and money services businesses, supporting multistate surveys, regulatory filings, and interactions with oversight agencies.

Amy began her career at the Nebraska Department of Banking, one of the first states to transition licensing to the NMLS. As a former regulatory system administrator and Policy Committee member, she contributed to the system’s development, testing, and implementation, including applications, renewals, reporting, change notices, and disclosures. She has also guided clients on licensure considerations related to remote work protocols introduced during the COVID-19 pandemic.

She also works with clients navigating the evolving regulatory landscape for cryptocurrency, virtual currency, and digital assets, including domestic and international transactions, crypto-to-crypto, and fiat-to-crypto transfers.

Amy participates actively in industry initiatives, serving on the NMLS Industry Development Working Group, which advises on system development and regulatory issues, and as the inaugural chair of the Money Transmitter Regulators Association (MTRA) Industry Advisory Council.
 

Representative Experience

Any result the lawyer or law firm may have achieved on behalf of clients in other matters does not necessarily indicate similar results can be obtained for other clients. 

  • Assisting a large global payments company with reviewing proposed business lines of an acquisition target, including assessing required money transmitter licenses and registrations for virtual currency transmission (crypto-to-crypto, crypto-to-fiat, and fiat-to-crypto), new virtual currency products, and hosted and unhosted wallet offerings.
  • Providing guidance on business models in the context of regulatory and compliance requirements and licensing obligations for the build-out and ongoing operations of financial services, including mortgage lenders, mortgage servicers, consumer lenders, and money services businesses.
  • Representing clients on licensing matters related to merger and acquisition transactions, coordinating with regulatory agencies and NMLS to secure time-sensitive approvals for large-scale multistate deals.
  • Overseeing NMLS processes in major merger and acquisition transactions, including nationwide transfers of licensed branches, individual mortgage loan originators, and additional trade names at the corporate and branch levels. Securing branch and individual approvals on day one to maintain business continuity and maintaining regulatory buy-in even when deviations from standard practices were required.
  • Providing technical review and support for the Mortgage Call Report, Money Services Business Call Report, and other state-specific reporting requirements.
  • Coordinating with key control persons to ensure timely reporting of material licensing changes.
  • Responding to inquiries regarding consumer finance laws across all 50 states, the District of Columbia, Guam, Puerto Rico, American Samoa, Northern Mariana Islands, and the U.S. Virgin Islands, as well as applicable federal regulations.
  • Assisting with registration and compliance matters related to federal agencies, including HUD, FHA, Ginnie Mae, Fannie Mae, Freddie Mac, VA, USDA, CFPB, and FinCEN.
  • Engaging in both adversarial and non-adversarial proceedings before state and federal regulatory agencies.
  • Preparing multistate regulatory surveys on compliance issues for depository and nondepository financial service providers, as well as consumer and commercial service providers.
  • Supporting the development of policies, procedures, and strategic initiatives to proactively address regulatory compliance deficiencies.
  • Conducting examination preparedness reviews of policies and procedures in connection with routine and special examinations by state regulators, the MMC, and the CFPB.
  • Reviewing examination requests, documents, and loan files, and serving as an intermediary between clients and regulatory agencies during examinations.
  • Negotiating findings with examiners before examination reports are finalized and identifying mutually agreeable remediation actions to avoid formal enforcement.
  • Assisting with international licensing matters and navigating evolving regulatory frameworks in the U.S.

     

 

Professional & Civic Engagement

  • Money Transmitter Regulators Association (MTRA), Industry Advisory Council, Chair
  • Compliance Council, IMTC Conferences
  • NMLS Industry Development Working Group
  • NMLS Key Individual Working Group (KIWI)
  • Foreign Licensing Working Group
  • American Association of Residential Mortgage Regulators (AARMR), Industry Advisory Council, Former Member
  • NMLS Policy Committee, Former Member
     

Thought Leadership

Presentations

  • "State Financial Services Legislative Update for Mortgage and MSB," Nationwide Multistate Licensing System Annual Meeting, February 20, 2026
  • "Managing Payments in a World of Constantly Evolving Technology," 24th Annual Consumer Finance Legal Conference, October 2025
  • "2025 MBA Compliance and Risk Management Conference," 2025 Mortgage Bankers Association (MBA) Compliance and Risk Management Conference, September 2025
  • "Greenwood-Field to Present at CrossTech Fintech Payments 2025," CrossTech FinTech Payments 2025, May 2025
  • "Best Practices for Maintaining Bank Relationships," 2025 NMLS Annual Conference and Training, February 2025
  • "Consumer Financial Services in Review and a Look Ahead," American Bar Association (ABA) Webinar, November 2024
  • "CrossTech World 2024," CrossTech World 2024, November 2024
  • "Compliance Discussion Forum: Global Compliance Trends and Future Regulatory Outlook for Cross-Border Fintech," CrossTech FinTech Payments 2024, May 2025
  • "The State of Regulated Money Transmission," IPA Innovative Payments Conference, May 2024
  • "Savoie and Greenwood-Field to Present at the 2024 NMLS Conference," Nationwide Mortgage Licensing System (NMLS) Conference, February 2024
  • "CrossTech World 2023," November 2023
  • "Tips for Successfully Engaging Your State Regulator," MBA State and Local Workshop, April 2023
  • "Deep Dive into DeFi Clients-Only Q&A," November 2022
  • "MTCC Advanced Compliance Workshop," CrossTech World 2022 Conference, November 2022
  • "Webinar: When Is Virtual Currency Treated as Currency Under State Law," September 2022
  • "Regulatory Challenges as Virtual Currency Becomes “Real” Money," MTRA Annual Conference, September 2022
  • "Regulatory Challenges in Crypto," Lawline, June 2022
  • "Current State of Regulatory Network Supervision," CrossTech Compliance Conference, June 2022

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