Banking

Our financial services attorneys assist banks in a wide range of regulatory, transactional and litigation matters. We provide international, national and community banks, as well as many credit unions, with the responsive, collaborative counsel they need to succeed in an industry faced with rapid change.

Our experience includes:

Regulatory assistance

Our lawyers regularly advise clients on consumer credit laws and regulations and also represent them before legislative bodies. We provide counsel on the development of open- and closed-end consumer credit programs and electronic payment systems and on credit insurance, including credit life and disability and vendor single interest (VSI) coverage. We also offer publicly traded banks extensive experience regarding federal securities regulation, including Sarbanes-Oxley compliance, corporate governance and state securities laws.

Transactional assistance

• Commercial lending: We handle large volumes of loan documentation in connection with cash-flow/asset-based and securitized loans.  We also represent our clients in real estate transactions.
• Mergers, acquisitions and corporate transactions: Our lawyers assist with merger strategy, the sale of assets and assumption of liabilities, and the sale of branches. We help with the formation and organization of state and national banks, holding companies, service corporations and foreign subsidiaries, and regularly assist in stock offerings. We also represent banks as issuers of letters of credit supporting municipal bond transactions.
• Credit recovery, bankruptcies and workouts: Our bankruptcy and workout team handles loan restructurings and workouts both in and outside of bankruptcy. We also represent banks in loan collection, collection practice systems and regulatory compliance.

Litigation assistance

We are considered a leading financial services litigation firm. We have successfully defended numerous financial institutions in connection with state and federal class actions. We defend lenders in cases involving the Truth in Lending Act (TILA), the Consumer Credit Protection Act (CCPA) and the Real Estate Settlement Procedures Act (RESPA). We also help enforce loan documents and handle disputes involving securities, trustees, lender liability claims, foreclosures and seizures. Our lawyers have extensive experience with many consumer lending laws and have litigated virtually every type of disclosure and consumer fraud claim.

We supplement our core banking services with a range of other operational support, including corporate finance, tax, privacy and security, employment, executive and employee benefits, intellectual property, and marketing and advertising.