Navigating The Rules For Commercial Lenders And Borrowers

The rules for lending and borrowing have changed dramatically in recent years, so financial institutions and their clients must rely more than ever on knowledgeable attorneys who grasp the intricacies of banking law. Since 1980, Herold Law has assisted commercial lenders and their clients in many industries. We perform meticulous due diligence on a wide range of financial transactions to protect our clients’ interests and support their success.

Focused Representation For Financial Institutions

Our banking attorneys represent various financial institutions in all areas relating to secured and unsecured commercial lending and construction financing. Our lender clients include:

  • Domestic and international banks
  • Investment banks
  • Conduit lenders
  • Credit unions
  • Real estate investment trusts (REITs)
  • Trust companies
  • Savings and loan companies
  • Sureties

Our attorneys provide advice on internal matters such as corporate governance, fiduciary duties and formation of bank subsidiaries, as well as detailed guidance on compliance for all pertinent state and federal regulations, including the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Gramm-Leach-Bliley Act, the SAFE Act, the Electronic Funds Transfer Act, the Check Clearing for the 21st Century Act and the Truth in Savings Act. We represent banking clients before the Federal Reserve, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, the Federal Deposit Insurance Corporation and state banking agencies.

We Understand The Needs Of Both Lenders And Borrowers

Our banking lawyers have experience on both sides of complex lending transactions, especially construction and development finance. We also negotiate and litigate solutions for problem loans. Our legal services include:

  • Assets classes
  • Creditor rights enforcement
  • Deal structures
  • Foreclosures
  • Lines of credit
  • Loan documentation
  • Mergers and acquisitions
  • Mortgage banking and securitization
  • Multiple lender participation loans
  • Real estate finance
  • Workouts and restructuring

Our banking law clients benefit from our work on behalf of both borrowers and lenders, as well as our background in litigating controversies that arise from a wide range of situations. We give each of our clients attentive, personalized service that is focused on every detail.

Contact Our Law Firm

Herold Law, P.A., represents lending institutions and commercial borrowers in complex financing arrangements. To speak with a knowledgeable banking law attorney, call our office located in Warren at 908-647-1022 or contact us online to schedule a consultation.