Banking and Financial Services

The Firm's banking and financial services attorneys represent providers of consumer and commercial financial services in all aspects of lending, forms, procedures, collection, lender liability, workout, foreclosure, bankruptcy and compliance with Texas and federal laws and regulations.

The Firm represents banks and other financial services providers ranging from community banks to large multi-state holding companies and finance companies. Forms companies, other law firms and regulators regularly seek advice from members of the Section on consumer lending forms, procedures, regulations and defense of usury and consumer class action lawsuits.

Members of the Section formulate, structure and document the full range of consumer and commercial loans and other financial products. The Firm's development and constant refinement of its forms and procedures allows the Firm to produce documents efficiently and cost effectively. The Firm's consumer loan documents, including Truth in Lending disclosures, are well respected by federal regulators.

Members of the Section regularly author articles and books, teach for State and national trade associations (such as IBAT and TBA), and provide training and materials for financial institutions, other law firms and regulators, including the "go to" treatise on Texas and federal credit laws, Usury and Texas Credit Laws.

Consumer Finance:

• Residential real estate lending
• Consumer credit forms
• Texas and federal regulatory compliance

Commercial Finance:

• Real estate forms and lending
• Commercial credit forms and lending, including asset based lending and warehouse lines of credit
• Specialized lending, including SBA, aircraft, ship mortgages and intellectual property
• Equipment leasing
• Financial services agreements, including wire transfer, private banking, check cashing and other agreements
• Opinion letters

Creditor's Rights and Workouts:

• Demand letters and collection procedures
• Real estate loan workouts and foreclosures
• Collection, litigation and bankruptcy
• Lender liability and consumer compliance defense, including class actions
• Expert and consulting witness in usury and other compliance issues

Bankruptcy and Creditors’ Rights:

• See Bankruptcy and Creditors’ Rights

Fiduciary Litigation:

• See Fiduciary Litigation