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.

FOCUS AREAS

Lending

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