Practice Areas

Financial Institutions and Holding Companies

The Banking and Finance Section provides legal services to national, state-chartered and  local financial institutions in California, Mexico, Hawaii, Guam and Saipan. The Section does substantial work for foreign financial institutions. Section attorneys have expertise in regulatory matters for banks, savings associations, financial services loan companies, credit unions and other financial institutions.

With extensive experience and long-established working relationships with regulators at both the federal level and in our practice jurisdictions, our attorneys provide cost-effective representation for our clients. Some of the areas where we provide assistance include the following:

Regulatory Compliance

• Federal, state and local examination and regulatory compliance
• Cyberbanking issues, including consumer privacy
• Compliance with Truth in Lending, Truth in Savings, Fair Credit Reporting, Equal Credit Opportunity Act, Electronic Fund Transfers Act, Community Reinvestment Act, and the Real Estate Settlement Procedures Act
• Consumer credit documents
• Licensing issues
• RESPA reviews and audits
• Advice on new product offerings

Commercial Credit

• Loan negotiation and documentation
• Advice on multi-state or foreign collateral
• Third-party legal opinions for out-of-state transactions
• Debt restructuring
• Employee Stock Ownership Plan loans

Lender Liability

• Compliance reviews
• Fair lending issues
• Represent lenders in lender liability claims

Workouts and Bankruptcy

• Represent financial institutions whose debtors are in bankruptcy proceedings
• Complex loan workouts
• Enforcement of promissory notes, collections, foreclosures

Mexican Banking and Finance Laws

• Initiating or expanding operations in Mexico
• Developing new financing and investment vehicles
• Syndicated bridge financings of acquisitions
• Loan insurance from the Export-Import Bank of the United States
• Cross-border lease transactions.
• Toll Highways and other infrastructure financings