Locke Lord lawyers are skilled in regulatory and transactional banking matters as well as the legislation impacting banks. Our clients range from community banks and savings institutions to money-center financial institutions and include FinTech and finance companies, credit unions, credit card issuers, leasing companies, specialty finance lenders, trust companies, industrial loan companies, mortgage originators and insurance companies.
We perform a multitude of essential services in today's complex regulatory and transactional environment, including the following:
Our lawyers also have experience in the following areas:
Our lawyers provide comprehensive counseling, advice and representation to domestic and international financial institutions on transactional, legislative, regulatory and litigation-related matters. We provide regulatory counseling and advice on the numerous federal lending statutes and regulations, including:
Mergers and Acquisitions
Locke Lord helps commercial banks, savings institutions and bank and savings institution holding companies with mergers and acquisitions. We provide our clients with banking and securities law advice in connection with funding and obtaining shareholder approval of such transactions.
Our Firm is experienced in representing banks and holding companies in raising capital through the issuance of common stock, perpetual preferred, trust preferred and subordinated debt. We counsel clients on structuring hybrid instruments to meet regulatory capital eligibility and investor requirements.
Demutualization, Mutual Savings Institution Conversion and Mutual Holding Company Reorganization
Our lawyers are national leaders in the field of demutualizing savings institutions. We have served as issuer's counsel and underwriter's counsel in the preparation of all necessary state and federal regulatory and SEC filings to effect the change from the mutual to stock form. We have prepared all necessary corporate articles of incorporation and bylaw amendments and board committee charters.
Shareholder Relations, Corporate Governance and SEC Registration and Reporting
Our Firm has significant experience in representing issuers and underwriters of bank securities in all aspects of disclosure compliance and sales and distribution. We advise companies and officers and directors as to their obligations under Federal Securities, State Blue Sky and trading exchange rules.
UK Banking Regulatory
Our lawyers have advised leading banks and financial institutions on the launch of new and innovative finance products in the UK’s increasingly challenging regulatory environment. We have also provided guidance and advice to an extensive range of banks and financial institutions in relation to gaining authorization to engage in regulated activity from the Financial Conduct Authority and ongoing compliance.