BANKING LAW

Lowis & Gellen regularly represents middle market banks and other lenders in connection with the preparation and/or review of loan and security documents including notes, loan agreements, security agreements, mortgages, assignments of leases and rents, hypothecation agreements, intercreditor agreements, subordination agreements and the like. Our attorneys are cognizant of the needs and objectives of our lender clients and the importance of enhancing the relationship between our clients and their customers, while still actively protecting our clients' interests.

Lowis & Gellen has experience documenting asset-based credit facilities, secured and unsecured loans, and obligations secured by real estate and construction lending facilities. Additionally, we have represented banks in connection with syndicated or participated credit facilities. Lowis & Gellen has served in the capacity of lead bank and participating bank attorney.

On the transactional services and operational side of financial services, Lowis & Gellen’s attorneys have extensive experience counseling banks, card issuers and other financial service providers respecting the account, payment, foreign exchange, smart card, cash management and other services they provide to their customers or receive from their suppliers and vendors. As an example, we design and currently manage a streamlined process to handle the drafting and negotiating of account control agreements for several bank clients, saving significant time and money. Lowis & Gellen represents banks and financial service providers in their negotiations with outsourced services providers, data processors and Internet banking service suppliers. Also, we advise on compliance with laws affecting their businesses such as escheatment, money transmitter laws and anti-money laundering laws.