Financial Services

Today's financial services are offered in many shapes and forms and by a variety of institutions, including banks, thrifts, insurance companies and securities firms.

At Howard & Howard, we've assembled experienced attorneys from all legal disciplines who have the sound judgment, creativity and vision to shepherd your projects from concept to completion. We work as a team—and win for you.

Our services to financial institutions include:

  • Mergers and acquisitions, including cross-industry transactions
  • Capital planning
  • Public and private securities offerings
  • Regulatory assistance; including enforcement actions
  • Strategic restructuring
  • Workout, lender and environmental liability
  • S corporation transactions
  • "Going Private" or "Going Dark" transactions
  • Executive compensation and employee benefit planning
  • Contract and vendor negotiations and disputes
  • Formation of banks, thrifts, and holding companies
  • Charter conversions
  • Labor and employment
  • Loan documentation
  • Litigation
  • Trust and investment advisory matters
  • Intellectual property
  • Mutual-to-stock conversions
  • Mutual holding company formations

Major regional banks and credit unions aren't too big for Howard & Howard's financial institutions attorneys, and community banks and credit unions aren't too small.

Regardless of the size of your transaction—or the complexity of the issues—we deliver high-quality, on-time work at a lower price than most law firms providing comparable services to financial institutions.

We're proud of the broad range of work we've done on behalf of our clients:

  • Completed M&A transactions involving hundreds of financial institutions
  • Completed "first ever" cross industry bank/credit union M&A transaction
  • Represented financial services clients in dozens of public and private securities offerings, including trust preferred securities
  • Assisted financial institutions in dozens of shareholder reduction transactions designed to permit the client to qualify for S corporation status or to "go private"
  • Formed one of the nation’s first multi-bank holding companies in the early 1970s
  • Established one of the first securities brokerage services operated by a bank
  • Helped a client acquire one of the first bank-owned insurance agencies in the Midwest
  • Managed the consolidation of financial institutions across multiple states to achieve substantial tax savings
  • Assisted thrifts in converting from mutual to stock form and forming mutual holding companies
  • Established domestic and off-shore investment, mortgage and other operating subsidiaries to achieve tax savings

How we work for you:

  • Howard & Howard's financial services group currently has in excess of 175 institutions as clients.
  • Howard & Howard is a leader in helping financial institutions expand into non-traditional service areas.
  • Howard & Howard is one of a few firms to offer a full range of federal and state compliance services to clients.
  • Our financial services attorneys regularly represent the organizers and initial boards of directors in the formation of new depository institutions and state chartered savings banks.
  • Howard & Howard has more than 40 attorneys with a wide range of financial consulting and banking law skills devoted to our financial services clients.
  • Our financial services attorneys handle clients ranging from small community banks and/or credit unions to major regional banks and/or credit unions.
  • Our financial services attorneys have participated in insurance company reorganizations, recapitalizations and restructuring, including subscription rights demutualizations and initial public offerings.

Howard & Howard's financial services attorneys approach every project with the following goals in mind:

  • Facilitate client objectives
  • Find creative solutions
  • Produce timely, top quality work
  • Help clients achieve their next level of success with maximum profitability