Financial Services/Banking
Financial Services & Banking Overview | Team
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, which include:
- Negotiation of contract terms
- Drafting documents
- Loan closings
- Review of loan documentation and procedures
- 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 assistance to institutions for civil process served on financial institutions, such as:
- Summons to trustee
- Subpoenas
- Complaints
- Levies
The attorneys at our firm also provide guidance through 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 the following:
- Bank loans
- Venture capital financings
- Bond or debenture issuances
- Other forms of institutional financing
Our lawyers also counsel clients with respect to the structure and issuance of various forms of equity and convertible securities.
Cross-Border Transaction
Due to Vermont's proximity to an international border, Primmer Piper Eggleston & Cramer 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.
Primmer Piper Eggleston & Cramer’s financial services and banking attorneys, Denise J. Deschenes and Gail E. Westgate have been recognized among The Best Lawyers in America under Financial Institutions Law.
