Financial Services/Banking
Primmer Piper Eggleston & Cramer represents both lenders and borrowers in commercial, retail finance and general banking matters which range from personal to small business loans and international multi-million dollar transactions. The firm also provides advice and assistance to financial institutions regarding general banking matters, mergers and acquisitions, and regulatory compliance.
- Commercial Lending. The firm represents bank and non-bank lenders in all aspects of commercial lending transactions, from negotiation of terms to drafting of documents and loan closing. The firm also performs comprehensive reviews of loan documentation and procedures, and assists with the development of new loan products.
- Restructuring/Collections. The firm advises clients on loan restructuring, including workouts, foreclosures, collection litigation and bankruptcy proceedings.
- Bank and Holding Company Regulation. The firm advises financial institutions on a wide variety of bank and bank holding company state and federal regulatory matters, including those affecting financial institution activities, structure, expansion and acquisitions.
- Chartering and Conversion. The firm assists with the formation of both federally and state-chartered financial institutions and advises on charter conversions and related regulatory issues.
- Retail Banking. The firm advises banks in connection with the development of retail banking products and services, including development of brochures, advertising, regulatory disclosures and notices, agreements and deposit and loan documentation.
- Electronic Banking. The firm assists financial institutions with electronic banking and commerce issues, including the development of electronic banking agreements and disclosures, and related policies and procedures.
- Compliance. The firm provides assistance and advice concerning federal and state regulations affecting financial institutions and assistance in the development and implementation of policies and controls to assure compliance.
- Operations. The firm provides guidance and assistance to institutions in handling civil process served on financial institutions, such as summons to trustee, subpoenas, complaints and levies, including providing training seminars and procedure manuals.
- Acquisition and Sale of Bank Assets. The firm advises banks in both the acquisition and sale of bank assets, including deposit accounts, loan portfolios, branches and related real estate.
- Representing Business Borrowers. The firm represents business entities in borrowing money through bank loans, venture capital financings, bond or debenture issuances and other institutional financing. It also counsels its clients with respect to the structure and issuance of various forms of equity and convertible securities.
- Cross-Border Transactions. Due to Vermont's proximity to an international border, the firm is experienced in cross-border financings, including transactions involving loan participation agreements between domestic and foreign lenders, Eurodollar credit agreements, letters of credit, and interest rate exchanges.
- Public Finance. The firm is experienced in public finance transactions including the representation of issuers, trustees, underwriters and the bond holders. It also provides tax opinions in public finance transactions.
Denise J. Deschenes and Gail E. Westgate have been recognized among The Best Lawyers in America under Financial Institutions Law.
Primary Contacts:
Denise J. Deschenes
Gail E. Westgate
Douglas J. Wolinsky
Jon R. Eggleston
James E. Clemons
Jeffrey P. Johnson
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