Daniels Bengtsson Legal & Consulting (DB Legal) is the leading provider of legal and compliance advice to customer-owned banks and credit unions across Australia from offices in Sydney (head office), Melbourne, and Brisbane. DB Legal and its predecessors have been advising customer-owned banks and credit unions since 1981. DB Legal’s key value proposition is the ability to provide practical advice to its banking clients. We can do this for two reasons. First, because of our technical legal knowledge. And perhaps more importantly, because we have a thorough understanding of the business of providing retail banking services gained over many years. We strive to develop long-term relationships with our clients and many of them have been loyal for decades. This means that we are constantly monitoring changes to the law and best practices to provide practical solutions to emerging problems.