FINANCIAL SERVICES & LENDING
FisherBroyles’ banking and financial services practice represents financial institutions ranging in size from small community banks to credit unions and other lenders to large multinational money centers across the country.
- Reporting and regulatory compliance
- Capital raising
- Strategic planning
- Mergers and acquisitions
- Asset resolution, including foreclosure, litigation, and loan workout
- Derivatives and structured finance
- Corporate governance
- FDIC failed bank acquisitions
- Troubled bank resolution
- Subchapter S election
- Going private transactions
- Going public (IPO) transactions
- Do Novo organization and formation
- Board and shareholder matters
CORPORATE & REGULATORY
Our banking and financial services attorneys focus on regulatory, corporate, securities, lending, financing, derivatives, and structured finance matters for our financial institutions clients. We have assisted our clients and all manner of banking transactions from De Novo bank formation to FDIC resolution. We have assisted banks formulate and understand bidding models for the acquisition of failed financial institutions from the FDIC. We have assisted our clients in strategic acquisitions as well as strategies for the disposition of distressed assets. We have assisted our clients in developing their strategic plans, including successful capital races. We partner with our clients to raise capital, to restructure boards and shareholder bases, to go private or public, to make subchapter S elections, and form holding companies. We assist our clients in public and private offerings of debt and equity securities, the full range of corporate transactions, commercial lending, ownership succession and estate planning issues, officer and director compensation packages and retirement planning, negotiating and defending regulatory administrative actions, and providing advice about all aspects of bank and thrift statutory law, regulation and interpretation. We also represent banking clients engaging in ancillary activities and acquisitions involving insurance, securities brokerage, swap agreements, and investment advisory services. The firm regularly provides lending, workout, bankruptcy, litigation, employment law, employee benefits, insurance, environmental, intellectual property, tax, technology and outsourcing, real estate, and similar legal specialty work for our financial institutions clients.
Representative bank regulatory financial institutions transactions:
- Led negotiations in the $1.1 billion sale of a national bank.
- Successful capital raises for Community Banks.
- Formed one of the final Georgia banks to obtain a charter.
- Represented a large regional bank in multiple affiliate merger transactions, as part of its program to consolidate its affiliate charters.
- Advised numerous financial institutions in FDIC bid and purchase opportunities.
- Represented a major real estate developer in multiple transactions acquiring distressed assets from financial institutions.
- Represented multiple investor groups in investment transactions in financial institutions.
- Represented regional and local banks in SEC and treasury reporting obligations after receiving TARP CPP investments.
- Represented numerous financial institutions in negotiating complying with their regulatory orders.
- Represented numerous financial institutions and raising capital, including public and private offerings.
- Represented numerous financial institutions in mergers and acquisitions transactions, including asset and stock transactions, whole bank, loan portfolios, branches, identified assets, control, and non‐control sales and acquisitions.
- Represented numerous financial institutions in corporate restructuring, holding company, management, shareholder, and director matters, strategic planning, corporate governance, and regulatory issues.
FisherBroyles’ banking and financial services group represents clients in a broad range of lending, financing, derivatives, and structured finance transactions. The firm also represents financial institutions including banks and other lenders, insurance companies and brokerage firms in the technology and outsourcing arena.
Our lending practice also includes corporate lending, asset-based lending, equipment leasing, borrower representation, and commercial real estate transactions. We regularly represent clients in sophisticated financing transactions, including term and revolving credit loans, loans secured by real and personal property (including intellectual property), working capital and acquisition loans, corporate or cash flow loans, syndicated loans, inter-creditor agreements, debtor in possession (DIP) loans, asset-based loans, factoring, loans with warrant or equity co-investments, loan restructurings and workouts equipment leasing, and aircraft financing of all types and structures.
Our attorneys have extensive experience in derivatives, structured finance, and securitization transactions. We have represented sponsors, borrowers, underwriters, servicers, collateral managers, credit enhancers, and derivatives counterparties. Our experience encompasses the full range of transaction types and structures in this market including RMBS, CMBS, CLOs, CDOs, ABS, interest rate derivatives, and credit default swaps. We have worked on structured finance and asset-based lending transactions involving a variety of asset types including auto loans and leases, credit card receivables, trade receivables, residential and commercial mortgage loans, aircraft and aircraft engines, other equipment leases, corporate bonds, oil and petroleum products, drug royalty payments, insurance products, securities lending accounts and asset management fees. We regularly represent parties to derivative and repurchase transactions, negotiate ISDA Master Agreements and Credit Support Annexes, SIFMA Master Repurchase Agreements and related collateral documents. We advise on compliance with Title VII of the Dodd-Frank Act, including clearing and trade reporting requirements, and negotiate derivatives clearing agreements for our clients. We have drafted disclosure documents and distribution agreements for the offering of structured notes and certificates of deposit and advised on best practices for such offerings.
In addition to our transactional experience, Fisher Broyles attorneys have substantial expertise and analyzing and negotiating the treatment of structured finance and derivative transactions in connection with bankruptcies and restructurings. Our experience in this area includes many of the landmark cases of the recent financial crisis, including Lehman Brothers, American Home Mortgage, and General Motors.
- Advising on the early termination, close-out and netting of derivatives transactions.
- Assisting in the development of derivatives documentation policies.
- Advising on compliance with Title VII of the Dodd-Frank Act.
- Negotiating derivatives clearing agreements and cleared derivatives execution agreements.
- Negotiating Master Repurchase Agreements and tri-party custody agreements for repurchase transactions.
- Drafting disclosure documents and negotiating distribution agreements for structured notes and certificates of deposit.