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Banking & Financial Institutions

From the first years of our practice, Cline Williams has devoted particular attention to addressing the unique requirements of the banking and financial services industries. Today, our lawyers serve a variety of banks, thrifts and other financial institutions, including small, family-owned entities and large, publicly held holding companies.  Cline Williams’ lawyers counsel our financial institution clients in all aspects of their business. 

  • Charter applications and bank formation
  • Branch applications
  • Change in control applications
  • Bank holding company formations
  • Mergers, acquisitions and divestitures, including phantom mergers, cross-industry acquisitions and charter conversions
  • Federal and state regulatory compliance and enforcement actions, including cease and desist proceedings, assessment of civil monetary penalties, removal actions and capital plans
  • Mortgage banking regulation
  • Consumer credit transactions and regulations
  • Estate and transition planning, including shareholder agreements, corporate redemptions and reverse stock splits
  • Employee and officer misconduct investigations
  • Right to financial privacy and consumer confidentiality requirements
  • Suspicious activity and currency transaction reports
  • Fraud investigations