Financial Services

Our financial services practice has evolved to match the growing demand for financing of businesses, from the rural, agriculturally focused arrangements of the early days to the complex, sophisticated national and international financial transactions of today's commerce.

We have provided comprehensive legal services to banks, institutional lenders, investors, mezzanine funds, venture capital firms, commercial and consumer finance companies, mortgage brokers and bankers, insurance companies and pension funds to meet their needs with respect to government regulations, mergers and acquisitions, debt, equity and "hybrid" financing, asset based lending, workouts and enforcement of troubled loans, bankruptcy and creditors' rights, sales and leases of real estate, corporate governance, labor and employment matters, lobbying, and dispute resolution (whether by litigation, arbitration, mediation or negotiation.)

The firm's wide range of expertise allows us to provide comprehensive advice and assistance on virtually all legal concerns of financial services entities. The collective practices of our finance attorneys bring hundreds of years of experience for you to draw on when dealing with legal questions and challenges.

Commercial Lending, Treasury Services And Real Estate

  • All types of lending and financing transactions, secured and unsecured, senior and subordinated, interim and long-term, including senior term and revolving credit arrangements, subordinated debt/mezzanine investments, leveraged acquisitions, participations, convertible loans, asset-backed securities, and accounts receivable and inventory financing
  • Specialized financing instruments, including adjustable rate notes, guarantees, letters of credit and other credit enhancements, interest rate swaps and other hedging arrangements, bankers acceptances, pledges, mortgages, cash-management arrangements and security agreements
  • Purchases, sales, and leases of real estate and financing and securitization thereof, including management, development, construction, condominium, syndications and joint ventures, and related transactions

Risk Assessment And Loss Prevention

  • Lender liability prevention and defense
  • Environmental risk assessment
  • Loan enforcement and realization on collateral, receiverships, creditors' arrangements, and bankruptcy
  • Dispute resolution, including litigation, arbitration, mediation negotiation and early-stage neutral case assessment

Regulated Transactions

  • Assistance in dealing with regulatory agencies, including compliance with federal and state regulations, enforcement proceedings, and strategies for meeting regulatory requirements, representation of institutions and their licensed or registered representatives before federal and state regulatory agencies
  • Purchases, sales, and mergers involving financial companies, banks, bank holding companies, savings institutions, and credit unions
  • Applications for new financial institution charters, branch bank authorization, and bank holding company and other regulatory requirements
  • Registered and unregistered securities offerings and bond transactions

Other Related Services

  • Review of employment practices and policies and defense of wrongful termination and ERISA claims
  • Preparation and updating of retirement plans
  • Representation before legislative bodies and boards and commissions, including the Arizona State Department of Financial Institutions
  • In-house training and seminars on such topics as banking law, lender liability crisis management, regulatory compliance, loss prevention, employment and environmental risk
  • Advice to management and directors regarding the scope of their respective roles in a highly regulated environment