Having earned a reputation for prompt service and creative problem solving, we have represented several financial institutions in Iowa, as well as out-of-state lenders. We also represent borrowers, brokers and parties supplying credit enhancement in connection with financings of all sizes and degrees of complexity, as well as parties engaged in acquiring financial institutions.
BrownWinick regularly counsels financial institutions on operational matters including regulatory compliance, check handling, powers of attorney, trust accounts, vendor relationships and joint venture relationships.
Our services do not end at the closing. When a client or a client's customer develops financial difficulties, our Banking practice group and Litigation practice group work closely with all concerned to develop a solution. We have successfully represented borrowers, lenders and other interested parties in a broad range of workout situations, from refinancing and reorganizations to bankruptcies, liquidations and foreclosures.
Recent changes in the banking and financial services industry have increased the demand for sophisticated legal services. The Banking practice group's practice includes banking law, as well as matters involving the formation, reorganization, capitalization and regulatory compliance for banks, stock brokerages, insurance companies and their respective holding companies.
BrownWinick's Banking practice group provides transactional and counseling services to banks, commercial finance companies and other institutions engaged in financing transactions. Services for these clients are provided in the following areas:
- notes and loan documentation
- secured commercial transactions
- commercial paper
- bank deposits
- lender liability concerns
- consumer protection laws (such as truth in lending and usury)
- operational matters (such as accounts and forms, electronic transfers and customer privacy issues)
- letters of credit
- and loan participations
BrownWinick attorneys also have experience in the formation, merger, consolidation and acquisition of banks and bank holding companies. Firm attorneys represent clients in obtaining financing through the public and private issuance of debt and equity and regularly advise clients on various federal and state regulatory issues.