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...
Gordon Rees Scully Mansukhani, LLP.
San Francisco, United States

Founded in 1974
1,688 people in their team
English
As the only law firm with offices and attorneys in all 50 states, we deliver maximum value to our clients by combining the resources of a full-service national firm with the local knowledge of a regional firm. Featuring more than 1,000 lawyers nationwide, we provide comprehensive litigation and...
Cox Wootton Lerner Griffin Hansen & Poulos LLP
San Francisco, United States

Founded in 1997
24 people in their team
English
ValueOur San Francisco lawyers are experienced in handling a wide variety of cases, including complex, high-exposure, document-intensive litigation and transactions. It is in just such high-exposure, complex cases that we often are able to deliver legal expense savings to clients, since we have...
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...
Perkins Coie LLP
Los Angeles, United States

Founded in 1912
2,875 people in their team
English
Perkins Coie is a leading international law firm that is known for providing high value, strategic solutions and extraordinary client service on matters vital to our clients' success. With more than 1,200 attorneys in offices across the United States and Asia, we provide a full array of corporate,...
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,...
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,...
Fenwick & West LLP
Mountain View, United States

Founded in 1972
1,118 people in their team
English
Fenwick & West LLP provides comprehensive legal services to ground-breaking technology and life sciences companies - at every stage of their lifecycle - and the investors that partner with them. We craft innovative, cost-effective and practical solutions on issues ranging from venture capital,...
Stradling
Los Angeles, United States

Founded in 1975
200 people in their team
English
For nearly 50 years, top companies and municipalities have counted on Stradling to have the right team and skills to meet their toughest challenges 24/7, 365 days a year.Stradling is a leading business law firm with 115 lawyers providing experienced counsel in critical transactions and disputes...
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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.

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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.