Areas of Practice

Banking Attorneys

We have a long history of representing San Antonio and South Texas banks and financial institutions in the legal aspects of virtually every phase of the banking business. Our attorneys' extensive experience with a broad spectrum of banking and lending issues makes us the firm of choice for clients seeking legal counsel for a banking matter.


Our banking attorneys handle a diverse range of financing transactions for our lender clients, from preparation of loan documentation through closing and funding.

Regulatory Matters

The Martin & Drought banking team has broad experience with federal and state banking regulations, which are highly complex and often unique to the financial industry.

Work-Outs and Foreclosures

We assist our financial institution clients when difficulties arise in a lending relationship with a customer. Matters that we routinely handle include:

  • Real estate mortgage loans
  • Asset-based financing arrangements
  • Construction and land development loans
  • Interim and permanent loans
  • Aircraft and marine financing
  • Acquisition financing
  • Letter of credit transactions
  • Oil and gas industry lending
  • Equipment financing
  • Requests for customer records and privacy laws compliance
  • Predatory lending and loan flipping
  • Bank Secrecy Act and anti-money laundering laws
  • USA PATRIOT Act mandates
  • Bank products and marketing
  • Equal Credit Opportunity Act compliance
  • Community Reinvestment Act compliance
  • Troubled-debt restructuring and work-outs
  • Commercial real property foreclosures involving projects of any size and complexity
  • Residential real property foreclosures, including home equity loans
  • Personal property (UCC) repossessions and foreclosures
  • Arrangements in lieu of foreclosure for both real and personal property