We offer our clients in the financial community a wide range of experience in regulatory and transactional areas. Banks and other financial institutions rely on our attorneys for counsel on regulatory matters and daily banking operations, as well as personal and corporate trust matters. Our in-depth understanding of the nature of regulated industries such as banking enables our attorneys to analyze and advise clients on evolving and innovative banking and non-banking products, services, and structures within the parameters and spirit of the U.S. Federal and state regulatory framework.
In addition, we represent financial institutions in structuring and documenting credit transactions of all types and amounts to both public and private borrowers. Among these are secured and unsecured credit agreements, subordinated debt financings, loan participations, letters of credit and bankers acceptances, project financing, acquisition financing, trust instruments, and loan restructuring and work-outs. Our attorneys also assist banking clients in the purchase of assets of failed institutions, and in the acquisition and sale of leasing and financing operations, portfolios of loans, leases, and other assets.
The Banking and Consumer Lending Practice Group also helps its clients to establish and maintain robust consumer financial services programs. This Group focuses on a wide array of issues that arise in connection with such programs, including documentation, consumer disclosures, and state licensing. Among the types of products that we may assist our clients are retail installment financing, mortgage lending, personal property leasing, credit cards, unsecured installment lending, credit reports, credit insurance, and related-product reviews.
The Group also assists its clients in projects and issues such as compliance audits/due diligence reviews, drafting U.S. Federal and state legislation, drafting advocacy, and comment letters to administrative agencies, drafting U.S. Federal and state disclosures, drafting loan agreements, retail installment sale agreements, leases, promissory notes, mortgages, credit card agreements, federal preemption theory, high cost mortgage loan compliance, privacy, identity theft, information security and safeguarding policies, U.S. Patriot Act and OFAC requirements, licensing information for brokers / lenders / finance companies / lessors and state law compliance manuals.
