The firm has extensive experience in a wide range of banking issues for state and national banks and bank holding companies, including bank formation, holding company formation, branching, bank acquisition, mergers, loan transactions, representation of the bank as creditor, as well as regulatory and compliance issues involving the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS), and the Federal Reserve Board. We are frequently called upon to prepare loan documentation and provide legal opinions in the areas of usury, enforceability of security interests, and choice of law issues. We handle revolving and term loans involving the full spectrum of loan purposes and collateral including agricultural loans, inventory financing, debt restructuring, and real estate acquisition. We can assist banks in creating loans with multiple participations and loans capable of being syndicated. We have represented more than forty banks with market capitalizations ranging from a few million dollars to over fifty billion dollars.
We also regularly represent banking clients on work-out negotiations and reorganizations, credit card issues, compliance with the Gramm Leach Bliley Act and the USA Patriot Act, issues regarding financial and other activities of bank subsidiaries and affiliates, and emerging privacy issues. Our firm’s lawyers have been general counsel to the Arkansas Community Bankers Association for over two decades.