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Banking Law for Institutions

Experienced California Banking Lawyer Serves Banks and Lenders

Pasadena attorney assists financial institutions and creditors

Law Offices of James W. Bates A Professional Corporation handles regulatory, compliance and risk management issues for lender, creditor and commercial clients. I am a California attorney dealing with changing legal standards, and I help clients throughout Montrose, Glendale, Pasadena, Los Angeles; the counties of Los Angeles, Orange, Riverside, San Berna comply with rules and regulations. Drawing on 28 years of experience, I offer litigation and advisory services across a broad range of legal issues, including:

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

No matter the banking law issue, I have the knowledge and experience to help you.

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. I work closely with financial institutions to implement policies in compliance with state and federal laws. The scope of my practice encompasses:

  • Regulatory matters
    • Federal Reserve matters
    • Office of the Comptroller matters
    • Federal Deposit Insurance Corporation (FDIC) matters
    • Sarbanes-Oxley violations
    • Antitrust investigations
  • Compliance with state law
    • Affiliate or insider relationships
    • Anti-money laundering
    • Capital adequacy regulations
  • Bank representation
    • 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
    • Creditor liens and loans

Turn to me for advice and guidance on any banking law issue.

Advising California institutions on secured transactions

Lenders may secure loans made to borrowers by requiring down payments or other collateral. In the event of default, the borrower cedes the right to collateral used to secure the loan. There are limits to what types of collateral may be used to secure a loan. I can advise you about any of the following legal issues:

  • Securitizations
  • Derivatives
  • Investment securities
  • Letters of credit
  • Audits
  • Loan workouts
  • Bankruptcy reorganization
  • Remedies under the Uniform Commercial Code (UCC)

I understand issues relating to secured transactions.

Strong counsel for commercial lending and borrowing

Securing financing for business development or expansion can be difficult. Credit checks and due diligence may reveal risks or liabilities that could raise interest rates on the loan or otherwise affect the eligibility of your business for financing. I regularly advise clients about the following legal issues:

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit
  • Mergers and acquisitions
  • Purchase and sale agreements
  • Reorganization
  • Organization of holding companies
  • Lines of credit

I believe a secured transaction should be as secure as possible, so I perform the due diligence necessary to protect your interests from potential harm.

Speak to an experienced banking law attorney today

If you need assistance with a banking matter, Law Offices of James W. Bates A Professional Corporation can help you with all of the necessary details. Call today at 818-248-1911 or contact me online to speak with an experienced attorney. From my Pasadena office, I represent clients throughout Montrose, Glendale, Pasadena, Los Angeles; the counties of Los Angeles, Orange, Riverside, San Berna.

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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