Norris McLaughlin & Marcus, P.A.

Banking & Financial Services

Our clients include bank holding companies, commercial banks, savings banks, mortgage companies, credit unions, commercial finance companies, insurance companies, and other forms of financial service companies.

The vast experience of our banking & financial services attorneys enables us to provide clients with high-quality, cost-efficient legal services. For decades, we have assisted our banking clients with their transactional, litigation, and operational needs, as well as fulfilling their regulatory obligations. During this time, our sole focus has been on helping our clients achieve business goals while improving their bottom line.

We constantly seek to provide “value-added” services to our banking & financial services clients through seminars, monitoring of legal and industry developments in New Jersey and the creation of new business opportunities.

Financing Transactions

  • Secured and unsecured term and revolving-credit financings
  • Tax-exempt industrial development bond financings
  • Equipment lease financings
  • Construction lending
  • Financing of emerging high technology companies
  • Conventional mortgage loans
  • Acquisition financings
  • Letters of credit
  • Participation in syndicated financings

Litigation

  • Lender liability
  • UCC claims
  • Forged checks
  • Class action litigation
  • Yield spread premiums
  • Consumer fraud
  • Commercial and residential foreclosures
  • Asset recovery including replevin and UCC sales
  • Improper servicing claims
  • Automobile loans and servicing

Workouts and Bankruptcy

  • Bankruptcy and receivership proceedings
  • Consensual restructurings of troubled loans
  • Realization of collateral in foreclosure proceedings or by UCC sales
  • Complex problem loans involving multiple borrowers and a variety of collateral

Organizational and Regulatory Matters

  • Obtain de novo bank charters and complete capital stock offerings for community banks
  • Provide advice on the Bank Holding Company Act
  • Attention to interstate banking issues
  • Representation before the New Jersey Department of Banking and various federal regulatory banking agencies
  • Counsel on proxy fights and other matters relating to potential changes in management control
  • Mergers and acquisitions of banking institutions
  • Issuance of trust-preferred securities

Bank Operations

  • Day-to-day legal counseling
  • Employee matters including benefits & compensation issues, personnel policies, employee misconduct & investigations, immigration, and litigation
  • Branch expansion including leasing, real estate development, land use & zoning, and environmental counseling
  • Antitrust and marketing counseling
  • Protection of intellectual property rights

When appropriate, our banking attorneys call upon attorneys from our firm’s other practice groups. For example, our environmental attorneys may be needed in a lending transaction where ISRA or other environmental laws are an issue. Likewise, our tax attorneys provide strong support in tax-exempt financings.

Representative Matters for Financial Services Clients

Banking & Financial Services Articles

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