Lending institutions in the U.S. operate under strict and often ambiguous regulatory regimes. O'Hara Watkins provides reliable guidance for retail, commercial and investment banks, savings and loans companies, and credit unions throughout Alabama. For more than 45 years, our attorneys have helped a variety of lenders manage compliance despite the proliferation of new rules and regulations. Our firm provides valuable advice and determined representation on a range of matters related to:
No matter the issue, our banking law attorneys have the knowledge and experience to help you.
As compliance issues take up more and more of a bank’s resources, lenders are relying more heavily on experienced and knowledgeable legal counsel to interpret regulations and assist in drafting and implementing sound policies. Our attorneys work closely with boards and management of financial institutions to help ensure compliance with state and federal law. The scope of our practice encompasses:
Turn to us for advice and guidance on any banking law issue.
Since securitization was a crucial factor contributing to the housing and banking crises starting in 2008, lenders now face greater scrutiny and higher standards for collateralization. There are also strict new standards for foreclosures. We advise lenders on the legal efficacy of numerous issues related to secured transactions:
We provide pertinent advice and precise legal instruments to enhance the security of your bank’s transactions.
O'Hara Watkins negotiates, drafts and reviews loan instruments for lending institutions and commercial borrowers. Through due diligence, we have helped clients reach agreement on sound, mutually-beneficial deals for major industrial, commercial and residential developments. Our attorneys regularly advise commercial and banking clients on the following legal issues:
Lenders and commercial borrowers can trust our knowledge, experience and diligence.
Lenders that deal directly with consumers must adopt and maintain policies that comply with state and federal regulations, or face liability for damages. Since this is another area where the regulatory landscape is constantly shifting, our firm keeps abreast of changes so our clients can readily adapt. We also provide staunch defense to allegations of improprieties in lending and collections. The consumer lending issues we manage include:
Our experience in consumer-protection litigation helps us resolve allegations quickly and cost-effectively.
O'Hara Watkins is an established banking law firm conveniently located in Daphne, serving lending institutions and commercial borrowers throughout Alabama. For knowledgeable assistance with a full range of banking matters, call 251-414-7772 or contact us online.