Nixon Peabody’s Bank Regulatory team provides a full spectrum of legal services to banks and non-bank providers of financial services. We have successfully designed and executed a wide variety of complex banking, finance, and corporate transactions and represented financial institutions in a broad array of complex matters. Clients receive customized services on their schedule with maximum efficiency.
Regulated financial institutions
We have assisted holding companies, banks, thrifts, and trust companies on a wide variety of regulatory issues involving privacy, data breach, CRA, corporate governance, enforcement matters, branching, consumer credit, new powers, and other federal and state operational regulatory matters. We have also assisted clients with state and federal legislative representation.
Bank mergers and acquisitions
Our attorneys have represented holding companies, banks, thrifts, and trust companies in connection with their formation and merger with other institutions, the acquisition and sale of entire banks or bank assets, sale of subsidiaries, sale of loan and lease portfolios, and sale of participation interests in loans. We have also assisted banks and bank holding companies in raising new capital through public offerings and private placements of debt and equity and worked on transactions involving Subchapter S issues and considerations.
Our experienced, interdisciplinary attorneys represent all sectors of the insurance industry, including health maintenance organizations, reinsurers, third-party administrators, agents, brokers, rate-making organizations, insurance pools, risk purchasing and risk retention groups, and risk managers. Our clients include many of the nation’s largest insurance companies.
Credit card programs
We have helped establish credit card programs, including private label and affinity credit cards.
Additionally, attorneys from a variety of legal disciplines come together to work jointly on matters such as:
- Corporate trust and issuer services—we work with a broad spectrum of corporate trust and issuer services matters. For one client, a major regional bank, we have served as outside general counsel for essentially all of its corporate trust/issuer services work for 90 years.
- Commercial and real estate lending—our attorneys are routinely involved in the preparation and negotiation of all types of loan arrangements, including real estate projects, asset-based lending, loans to ESOPs, direct and third-party lease financings, and industrial development bond financings.
- Litigation—we regularly represent financial institutions and lenders in both state and federal court on matters ranging from lien law disputes to data breach litigation.