Our experienced attorneys have spent their careers advising clients in this niche sector as the current legal and regulatory environment has evolved and intensified. For banks, bank holding companies, and other nonbank financial institutions of all sizes, we advise on:
Secured & Unsecured Lending
- Consumer financial services litigation for individual and class actions in state and federal courts throughout the country
- State and federal regulatory compliance on secured and unsecured origination and servicing
- Examination and enforcement with the Consumer Financial Protection Bureau (CFPB) and state attorneys general
- Best-in-class licensing team, including assistance with formation of financial services companies and strategic acquisitions
- Compliance and litigation regarding title insurance, lien rights, closing errors, and mortgage insurance
- Automotive consumer finance for banks, non-bank private lenders, and captive automotive lenders, including compliance, government enforcement, licensing, insurance, and litigation
- Bankruptcy compliance, including settlements with the United States Trustee Program, and consumer bankruptcy litigation
- Vendor management issues, with a particular focus on oversight of network law firms
- Compliance and litigation regarding Home Equity Conversion Mortgages (HECMs or “reverse mortgages”)
- Compliance and litigation regarding student loans
Banking
- Every aspect of operations, from transactional and corporate issues to lending, compliance, and working with government programs
- State and federal regulatory compliance matters
- All aspects of capital market activities
- Chartering and formation of new banks, including de novo banks
- Public and private methods to raise capital, such as bank note offerings and other activities relating to the creation of regulatory capital
- Acquisition and sale of financial institutions, with one of the country's most active M&A practices for banking and financial services
- Tax credits, particularly Low Income Housing Tax Credits, New Market Tax Credits, and Tax Increment Financing
- Lending, with particular emphasis on healthcare and mortgage warehouse matters
- Sale and purchase of distressed debt
- Identifying and managing environmental risks related to lending as well as branch acquisitions and sales
