Best Banking & Finance Lawyers in California

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Davies & Associates, LLC
Los Angeles, United States

Founded in 2020
100 people in their team
English
Spanish
Italian
Hindi
Gujarati
Vietnamese
Banking & Finance Tax Increment Financing Financial Services Regulation +9 more
Davies & Associates ("D&A") has grown to become the largest global law firm specializing in US, UK and Italian business and investment immigration together with Citizenship and Residency by Investment (together, “CBI”).  Our lawyers are regarded as the leaders in the US E2...
BakerHostetler attorneys
Los Angeles, United States

Founded in 1916
5,000 people in their team
English
Established in 1916, BakerHostetler is one of the largest law firms in the U.S., with more than 1,000 lawyers and 18 offices across the country. We handle clients’ most critical legal matters - securing advantageous outcomes amid regulatory scrutiny and bet-the-company litigation; closing deals...
Greenberg Traurig, LLP.
Los Angeles, United States

Founded in 1967
2,300 people in their team
English
Five decades ago, while at lunch in a South Florida deli, attorneys Larry J. Hoffman, Mel Greenberg, and Robert Traurig saw an opportunity to establish a new breed of law firm for South Florida; a firm that mirrored a New York style firm. In 1967, they founded the law firm Greenberg Traurig...
China Legal Group

China Legal Group

30 minutes Free Consultation
Laguna Beach, United States

Founded in 2023
15 people in their team
Chinese
English
Spanish
Portuguese
Japanese
Korean
hina Legal Group 北京国桓律师事务所 - Legal Excellence Sponsoring Success -Chinese Financial and Capital Lawyer specializing in PE, VC, Capital Markets, Global IPO and Offering, M&A, Investments, Intellectual Property, etc;Worked on many high-profile deals such as Baidu.com, 58.com,...
Extradition Law Firm
Los Angeles, United States

Founded in 2014
17 people in their team
Russian
English
Ukrainian
Belarusian
Extradition Law Firm is a boutique law firm specializing in the areas of extradition defense, criminal defense, human rights and migration law in the Russian Federation, Ukraine, and internationally. Our English-speaking criminal attorneys also represent our clients in countries abroad, including...
Jones Day
Irvine, United States

Founded in 1893
2,500 people in their team
English
Jones Day has a history of more than 125 years and a culture of client service and professionalism based on explicit shared values. These values include providing pro bono legal services, building diversity in our profession, and supporting outreach efforts around the world.Jones Day has a long...
Skadden, Arps, Slate, Meagher & Flom LLP
Los Angeles, United States

Founded in 1948
1,700 people in their team
English
The traits that fueled Skadden’s rise from a New York startup to a global powerhouse - collaborative, innovative, persistent - continue to define our firm culture. We remain intensely focused on the simple formula of developing an inclusive complement of extraordinary attorneys, working together...
Bailey Glasser
Oakland, United States

Founded in 1999
123 people in their team
English
Founded by Ben Bailey and Brian Glasser in 1999 in Charleston, West Virginia, Bailey Glasser has grown to include 76 lawyers, with 17 offices across the United States. The firm’s complex litigation practice focuses on high-stakes commercial litigation; class actions for consumers, insureds,...
BG Law
Woodland, United States

Founded in 1987
200 people in their team
English
At BG Law we listenWe are more than attorneys - we are dealmakers. We leverage our business backgrounds and creative insight into the most sensible advice and counsel for clients. Many of our attorneys are former bankers, accountants, business owners and professionals, who call upon years of...
Arnold & Porter Kaye Scholer LLP
San Francisco, United States

Founded in 1946
2,057 people in their team
English
At Arnold & Porter, we are client-driven and industry-focused. Our lawyers practice in more than 40 practice areas across the litigation, regulatory and transactional spectrum to help clients with complex needs stay ahead of the global market, anticipate opportunities and address issues that...
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About Banking & Finance Law in California, United States

Banking and finance law in California governs the regulation, operation, and conduct of financial institutions, lenders, borrowers, and investors within the state. This legal field covers a wide range of activities, including commercial lending, mortgages, consumer loans, securities, regulatory compliance, and the operations of banks and credit unions. California's dynamic economy and diverse population make its financial sector one of the largest and most complex in the United States, requiring specialized legal attention for both individuals and businesses.

Why You May Need a Lawyer

Legal issues in banking and finance can be intricate and often require professional guidance. You may need a lawyer in situations such as:

  • Understanding or negotiating loan agreements, mortgages, or other financing documents
  • Addressing disputes with banks, such as wrongful foreclosures or unauthorized account transactions
  • Dealing with debt collection matters or restructuring commercial or personal debt
  • Navigating business financing, including venture capital, private equity, or public offerings
  • Ensuring compliance with federal and state banking regulations
  • Handling cases of financial fraud, identity theft, or predatory lending
  • Assisting with investment disputes or securities-related issues
  • Managing bankruptcy or insolvency matters for individuals or businesses

A qualified attorney can help interpret complex laws, negotiate favorable terms, and represent your interests in disputes or regulatory proceedings.

Local Laws Overview

California banking and finance operations are influenced by both federal and state laws. At the state level, the California Department of Financial Protection and Innovation (DFPI) regulates state-chartered banks, lenders, and certain financial service providers. Key aspects include:

  • Usury Limits: California has strict usury laws that set maximum allowable interest rates on certain types of loans, with exceptions for banks and licensed lenders.
  • Mortgage Laws: The state has specific requirements for mortgage lending and foreclosure processes, including consumer protection provisions and notices.
  • Consumer Protections: California enforces laws against unfair, deceptive, or abusive acts in the financial sector, especially related to lending and debt collection.
  • Privacy Regulations: The California Consumer Privacy Act (CCPA) affects how financial institutions use and disclose personal information.
  • Regulatory Oversight: Beyond DFPI, federal agencies such as the FDIC, Federal Reserve, and OCC also oversee certain financial operations in the state.
  • Licensing Requirements: Many financial service providers must be licensed to operate in California, including lenders, brokers, and debt collectors.

It is critical to understand which rules apply to your specific situation and ensure all activities remain compliant with both state and federal law.

Frequently Asked Questions

What is the role of the California Department of Financial Protection and Innovation (DFPI)?

The DFPI licenses and regulates a wide variety of financial services, including state-chartered banks, credit unions, money transmitters, mortgage lenders, and other providers. It enforces state laws to protect consumers, ensure fair practices, and maintain the stability of California’s financial system.

Are interest rates on loans regulated in California?

Yes, California limits the interest rates lenders can charge on certain consumer and personal loans unless the lender is exempt, such as most banks or licensed lenders. Usury laws do not apply to all types of loans, so it is important to check the specific loan type.

What protections do California consumers have against unfair banking practices?

California law prohibits unfair, deceptive, or abusive practices by banks and other financial institutions. This includes rules for transparency in loan terms, protection against unfair debt collection, and provisions for handling unauthorized account activity.

How does foreclosure work in California?

California primarily uses a non-judicial foreclosure process, which means lenders can foreclose on a property without going to court if the borrower defaults. The law requires lenders to provide specific notices and opportunities for borrowers to cure defaults before foreclosure proceeds.

Do all lenders need to be licensed in California?

Most financial lenders, brokers, and debt collectors must be licensed by the DFPI to operate legally in California. There are exceptions, especially for national banks and certain federally regulated institutions.

What steps should I take if I am a victim of financial fraud or identity theft?

Victims should immediately report the incident to their financial institution, file a police report, contact the DFPI, and consider placing a credit freeze or fraud alert on their credit reports. Legal assistance can help recover losses and protect your rights.

How does the California Consumer Privacy Act (CCPA) impact banking and finance?

The CCPA grants consumers more control over their personal information and requires financial institutions to disclose how they collect, use, and share data. Institutions must comply with data deletion requests and provide transparency on consumer rights.

Can I dispute errors in my credit report in California?

Yes, both federal and California law allow individuals to dispute inaccurate information with credit reporting agencies. Correct information must be provided by lenders, and errors must be investigated and resolved promptly.

When is bankruptcy a viable option for debt problems?

Bankruptcy may be considered if you are unable to meet debt obligations and other options have been exhausted. California offers both Chapter 7 and Chapter 13 bankruptcy, each with different eligibility requirements and implications for assets and debts.

What rights do small businesses have when dealing with banks or lenders?

Small businesses are protected under various state and federal laws concerning loan terms, disclosure requirements, and fair lending. In case of disputes or unfair practices, business owners can seek legal advice or file complaints with regulatory agencies.

Additional Resources

If you need further information or support in the field of banking and finance in California, consider reaching out to:

  • California Department of Financial Protection and Innovation (DFPI): State regulator for banks and financial services
  • State Bar of California: Provides lawyer referrals and legal aid resources
  • Federal Trade Commission (FTC): Information on consumer rights and protections
  • Consumer Financial Protection Bureau (CFPB): Federal oversight on consumer financial products and services
  • Local legal aid organizations: Offer advice and representation for those with financial hardship
  • Better Business Bureau (BBB): Helps resolve complaints against financial businesses

Next Steps

If you need legal assistance with a banking or finance matter in California, follow these steps:

  • Gather all relevant financial documents, contracts, and correspondence related to your issue
  • Clearly identify your goals or what resolution you are seeking
  • Contact a qualified attorney with experience in California banking and finance law
  • Consult the DFPI, CFPB, or other appropriate regulatory bodies if you suspect regulatory violations or need to file a complaint
  • Maintain detailed records of all communications and actions taken regarding your financial situation

Act promptly to protect your financial interests, as timing can be critical in resolving banking and finance legal matters. Seeking legal advice early can help prevent complications and ensure your rights are fully protected.

Lawzana helps you find the best lawyers and law firms in California through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Banking & Finance, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in California, United States - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.