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    Locke Lord lawyers are skilled in the representation of domestic and international financial institutions in transactional, legislative, regulatory and litigation-related matters. Our clients range from community banks to money-center financial institutions and include finance companies, credit unions, credit card issuers, leasing companies, specialty finance lenders, trust companies, commercial banks and savings institutions, industrial loan companies, mortgage originators and insurance companies. We perform a multitude of essential services in today's complex regulatory environment, including the following examples:

    • Acquisitions and mergers of commercial banks and savings institutions
    • Antitrust matters
    • Asset-based and cash flow financing
    • Capital raising transactions, including public debt and equity offerings, private placements and subordinated debt transactions
    • Bank Holding Company and Thrift Holding Company registration and compliance
    • Branch purchases
    • Chartering and insurance of accounts of de novo commercial banks and savings institutions
    • Change in Bank Control Act rebuttals and notice filings
    • Consumer disclosure issues, including the preparation of contracts and forms
    • Corporate Governance
    • Conversion from/to federal or state charter
    • Cross Industry mergers
    • Data security
    • Defense of lender liability claims
    • Defense of class action litigation
    • Demutualizations by savings institutions, including the formation of private Mutual Holding Companies (MHC), minority stock offerings by MHCs and full conversions
    • Director and officer liability insurance coverage
    • Dodd-Frank Wall Street Reform and Consumer Protection Act compliance
    • Enforcement representation
    • Examination report response strategies
    • Fraud investigations and response
    • Hedge fund investment in bank equity
    • Insurance activities by bank affiliates, including licensing, policy adoption and documentation, life insurance premium finance, complaints, market conduct examinations and enforcement actions
    • Intercreditor agreements, loan syndications, participations and subordinations
    • Lending limits, transactions with affiliates and loans to insiders
    • Letters of credit and credit enhancement transactions
    • Litigation
    • Online delivery of financial services and electronic payment systems
    • Mergers
    • Negotiating outsourcing contracts
    • Public Company Accounting Oversight Board compliance
    • Pre-merger compensation restructuring and tax planning
    • Product development and technology
    • Proxy contests
    • Qualified and non-qualified cash and stock compensation arrangements
    • Real estate financing and construction lending, including environmental consultation
    • Regulatory and compliance counseling involving consumer protection and other laws, including the Bank Secrecy Act, Home Mortgage Disclosure Act, Truth in Lending Act, Real Estate Settlement Procedures Act, the USA Patriot Act, Community Reinvestment Act and fair lending compliance
    • Representation before federal regulatory agencies, or matters involving regulatory applications and the chartering process, including the Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board (FRB), and Financial Crimes Enforcement Network (FINCEN)
    • Sale and purchase of loan portfolios, including troubled assets
    • Special Board Committee representation
    • SEC registration and periodic reporting and Sarbanes Oxley compliance
    • Subprime mortgage agreement renegotiations
    • Workouts, creditor’s rights and bankruptcy

    Our goal is to provide exceptional legal services, to be responsive to our clients' needs and to efficiently manage the cost of our services for all clients, whether leading national or international financial institutions or small local banks. Our diverse client base allows our lawyers to work with talented, creative leaders in a wide variety of situations - experience that provides added value to our clients.

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