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Financial Institutions

For financial institutions around the country, today’s rapidly changing regulatory and compliance landscape is one that requires constant monitoring. It is also a business environment that demands quick response and the ability to adapt to new requirements. The Ober|Kaler Financial Institutions Group is proactive on behalf of its clients when it comes to regulatory matters and is experienced in handling the operational, due diligence and risk management considerations that confront banks, thrifts, mutual associations and holding companies.

Our Financial Institutions Group understands the issues facing the banking community today and the importance of maintaining safe and sound banking practices. Highly regarded for our representation of institutions in the community banking arena, our attorneys – many of whom are former state and federal regulators – are also accomplished in the area of corporate, credit and transactional services that our financial services clients require.

Our range of representation includes matters related to:

  • Capital formation
  • State and federal regulatory advice
  • TARP 
  • Regulatory enforcement actions
  • Asset quality 
  • Lending limits
  • Mergers and acquisitions
  • Bank charters and mutual bank conversions
  • Corporate securities
  • Foreclosures
  • Real estate 
  • Loan and lease shelf paper documentation
  • Deposit, loan, EFT and operational agreements and disclosures
  • Holding company and affiliate issues
  • Human resources issues
  • Proxy matters
  • General corporate matters

Our comprehensive experience with independent community banks is a hallmark of our practice. Ober|Kaler attorneys seamlessly partner with bank management to provide the level of attention and service normally associated with in-house counsel. We are prepared to handle the complex as well as the routine, and do so with an efficiency that provides exceptional quality and value.

Financial institutions in the Mid-Atlantic region and throughout the US are drawn to Ober|Kaler for thoughtful and thorough counsel on the issues that matter most to them and their customers. Our active participation in industry trade groups, including the Independent Community Bankers of America, allows us to keep on top of emerging trends, opportunities and concerns of bankers in jurisdictions around the country.

We take pride in forming close and lasting partnerships with clients who depend on us to deliver the range of capabilities traditionally associated with larger or niche-market law firms, at a price point that is very attractive to small and mid-sized banks.

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