Practice Areas & Industries: Adams and Reese LLP

Practice/Industry Group Overview

The Banking and Finance Team provides comprehensive representation to clients and their customers in the financial services industry. Members of the team regularly structure, negotiate, document, render opinions, and close complex and routine financial transactions, including loans, leasing, public finance and real estate deals. Team members also provide advice and guidance regarding compliance with complicated federal and state laws and regulations that govern the delivery of financial services and products. Our attorneys assist with the development and means of delivery of financial services and products, and regularly advise clients with respect to ongoing operations issues. We represent financial service providers including national, regional and community financial services companies.

Our presence in five states (Alabama, Louisiana, Mississippi, Tennessee and Texas) and the District of Columbia, the collective experience of our lawyers in these offices and our lawyers ability to collaborate with each other, contributes to the unique and valued perspectives in our representation. Several of our team members are active in other practice teams and can present a variety of creative solutions to our clients.

Services Available

AREAS OF PRACTICE

Transactions
The Banking and Finance Team provides representation and advice to financial institutions and other non-bank commercial businesses in connection with the following types of financing transactions:

Secured Lending

• Loans secured by accounts receivable, inventory, equipment and other business assets.

• Project and development financing for various industrial and manufacturing properties and projects, particularly energy, exploration and capital facilities.

• Capital financing for the acquisition, construction and development of office buildings, multi-family residential projects, condominium property, retail development property, timberland, agricultural and other commercial real estate properties.

• Facilities for the benefit of businesses and high net worth individuals secured by investment securities, including restricted securities.

Structured Finance

• Multi-tiered capital development credit facilities provided by mezzanine lenders and venture capital investors.

• Securitization of asset-backed and mortgage loan pools.

• Syndicated term and revolving credit facilities provided by multiple lenders.

• Complex unsecured working capital credit facilities involving public and private companies.

Letters of Credit

• Domestic and international transactions involving letters of credit, including credit enhancement for bond issues.

Financial Derivatives

• Interest rate swaps, options, caps, collars, and other financial derivatives with emphasis on transactions governed by the documents and conventions of the International Swap Dealers Association.

Financial Restructuring

• Workouts and other restructuring transactions involving the financial condition or business operations of debtors.

Regulatory and Compliance

Our attorneys provide representation and advice, and design and implement compliance programs, in connection with the following matters unique to financial institutions and other providers of financial services:

Federal and State Regulations

• Governing the operation of financial services providers.

• Assisting with periodic regulatory examinations.

• Information privacy issues and anti-terrorism and anti-crime information gathering and reporting requirements.

Consumer Lending and Leasing

• Consumer lending and leasing industry, including banks, mortgage lenders, automobile lenders and purchasers of consumer loans.

• Consumer credit and residential mortgage industries regarding compliance with RESPA, Regulation Z (Truth-in-Lending), and other applicable laws and regulations.

Corporate Governance

• Compliance by boards of directors and senior officers of financial service providers in connection with compliance with applicable state and federal corporate and operations laws and regulations.

• Requirements of applicable laws and regulations relevant to the Gramm-Leach-Bliley Act and the Sarbanes-Oxley Act.

Operations

Payment and Investment Systems

• Automated clearinghouse and wire transfer services.

• Disputes arising in connection with cash letters and the clearing of paper and electronic items.

• Master agreements and implementation forms for corporate cash and treasury management products and services.

Electronic Finance

• Contracts and agreements with vendors of products used to electronically provide financial services by Internet access or direct interface with the computer systems of financial services providers.

• Shared marketing Internet websites providing access to financial quotes and products, including banking related services, securities, and insurance.

INDUSTRIES SERVED

Banks
Thrifts
Credit Unions
Mortgage Companies
Mortgage Brokers
Structured Finance Providers
Asset Based Lenders
Specialty Lenders and Investors
Insurance Companies
Financial Industry Service Providers
Commercial Consumers of Financial Services