Banking
BrownWinick has been a constant leader in the field of commercial law, with particular
expertise in financial transactions. Having earned a reputation for prompt service
and creative problem solving, we have represented several financial institutions
in Iowa, as well as out-of-state lenders. We also represent borrowers, brokers
and parties supplying credit enhancement in connection with financings of all
sizes and degrees of complexity, as well as parties engaged in acquiring financial
institutions.
BrownWinick regularly counsels financial institutions on operational matters
including regulatory compliance, check handling, powers of attorney, trust accounts,
vendor relationships and joint venture relationships.
Our services do not end at the closing. When a client or a client’s customer
develops financial difficulties, our Banking practice group and Litigation practice
group work closely with all concerned to develop a solution. We have successfully
represented borrowers, lenders and other interested parties in a broad range of
workout situations, from refinancings and reorganizations to bankruptcies, liquidations
and foreclosures.
Recent changes in the banking and financial services industry have increased
the demand for sophisticated legal services. The Banking practice group’s practice
includes banking law, as well as matters involving the formation, reorganization,
capitalization and regulatory compliance for banks, stock brokerages, insurance
companies and their respective holding companies.
BrownWinick’s Banking practice group provides transactional and counseling services
to banks, commercial finance companies and other institutions engaged in financing
transactions. Services for these clients are provided in the following areas:
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notes and loan documentation
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mortgages
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secured commercial transactions
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commercial paper
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bank deposits
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lender liability concerns
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consumer protection laws (such as truth in lending and usury)
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operational matters (such as accounts and forms, electronic transfers and customer
privacy issues)
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letters of credit
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and loan participations
BrownWinick attorneys also have experience in the formation, merger, consolidation
and acquisition of banks and bank holding companies. Firm attorneys represent
clients in obtaining financing through the public and private issuance of debt
and equity and regularly advise clients on various federal and state regulatory
issues.