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Banking Law for Institutions

Experienced California Lawyer Serves Banks and Lenders

Knowledgeable Pasadena attorney assists financial institutions and creditors

The Law Offices of James W. Bates A Professional Corporation handles regulatory, compliance and risk management issues for lender, creditor and commercial clients. As an attorney dealing with changing legal standards, attorney Bates helps financial institutions in Pasadena, Los Angeles, Glendale other Southern California communities comply with federal and state banking rules and regulations. Mr. Bates draws on nearly 30 years of legal experience and provides advisory services as well as representation during litigation.

Providing strategic legal services in complex matters

The firm represents financial institutions that require guidance in the following areas:

  • Banking regulations
  • Consumer protection
  • Secured transactions
  • Commercial borrowing and lending

When homeowners fail to make their mortgage payments, I help my clients weigh their options for collecting the debt they are owed, either through foreclosure or the restructuring of the mortgage. No matter how complex your banking law issue, I will put my strategic legal knowledge to work in seeking to resolve it effectively.

Representing banks and private lenders in bankruptcy proceedings

At our firm, attorney Bates is well-versed in the specific provisions of federal and state laws that affect bankruptcy creditors, including the California Code of Civil Procedure and the California Commercial Code. These codes have a significant impact on lenders’ rights and remedies. He represents financial institutions when seeking motions for relief from the automatic stay, which is a critical step in allowing creditors to continue or initiate foreclosure proceedings. He also guides lenders through adversary proceedings, where bankruptcy creditors challenge whether certain debts are dischargeable and assert their rights to available assets. If you are a lender looking for an attorney to provide seasoned legal counsel and help you navigate the complexities of bankruptcy court, James A. Bates will help you with tasks necessary to protect your position as a lender, such as negotiating any proposed revisions to loan repayment terms and filing proof of claim documents, which indicate how much debt is owed by the bankruptcy filer.

Helping clients understand banking regulations

The Federal Reserve regulates banks, managing the nation’s money supply through monetary policies that stabilize inflation or deflation, moderate long-term interest rates, or maximize employment opportunities. Lenders and borrowers watch opportunities rise and fall in relation to these systemic pressures. Attorney Bates works closely with financial institutions in the following types of matters:

  • Regulatory matters related to the Federal Reserve, the Office of the Comptroller, the Federal Deposit Insurance Corporation (FDIC), Sarbanes-Oxley violations and antitrust investigations.
  • Remaining in compliance with state law, including provisions concerning affiliate or insider relationships, anti-money laundering and capital adequacy regulations.
  • Representing banks in conflicting claims against a joint account, exercise of the right to set-off, collections litigation, allegations of unauthorized use of debit and credit cards, creditors’ rights litigation and issues involving creditor liens and loans.

Non-compliance with banking regulations and consumer protection laws can lead to fines and other serious repercussions. I will give you the legal counsel you need to help your institution stay in compliance.

Firm assists banks with small business loans and compliance issues

Attorney Bates is experienced with the various loan options offered by the Small Business Association (SBA) and offers support to banks granting 7a loans, microloans, export loans and other transfers to borrowers. Lenders must strictly adhere to the SBA’s rules and regulations, and the firm strives to help them remain in compliance with the association’s standard operating procedures, assisting with structuring the terms of the loan and seeing the deal through to closing.

Speak to an experienced Pasadena banking law attorney today

If your financial institution requires skilled assistance with a legal matter, the Pasadena-based Law Offices of James W. Bates A Professional Corporation provides astute legal counsel to clients in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. Call my firm today at 818-248-1911 or contact me online to arrange a consultation.

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Our Office
  • Pasadena Office
    1055 E. Colorado Blvd.
    5th Floor
    Pasadena, California 91106-2327
    Phone: 818-248-1911
    Fax: 818-279-0513