SederLaw

SederLaw’s Banking & Finance group has been one of the cornerstone practice areas of the firm for over 100 years. We provide seasoned, prudent legal counsel to a wide range of banking and financial institutions, corporations, individuals, and others. We also draw from other practice groups within the firm to offer practical advice to meet the daily and long-term needs of our clients. Our results have won a number of accolades and earned the respect and esteem of banking and finance professionals. We’re ready to advise and represent your organization today.

How We Serve Our Banking and Finance Clients

Banks and other financial institutions and companies are subject to complex regulations and laws that govern all aspects of their operations. As one of the most highly regulated industries in the country, these businesses face constant scrutiny by a number of state and federal regulatory bodies. Meanwhile, individual borrowers and investors need to understand the intricacies of banking and finance rules and how they may be affected by them. Our attorneys are prepared to address the needs of our banking and finance clients regardless of their size, stage of development, or business or personal endeavors.

These are a few of the services we provide:

• New bank formation. Chartering new (de novo) banks is no small task but is absolutely vital to the economic health of the banking industry. We work with new banks through the regulatory approval process, development of business plans, and establishment of necessary capital thresholds. We also provide compliance advice to ensure the bank gets started on the right foot.
• Mergers and acquisitions. Any merger or acquisition is complicated enough, but becomes exponentially more complex when banks or other financial institutions are involved. Proper attention to both due diligence and regulatory compliance is essential to making sure the merger or acquisition is a success and does not trigger liability issues.
• Financing. We assist with financings of all types and sizes. These range from small-scale financing, including those involving the Small Business Administration, to large-scale, multimillion-dollar financings for large, national, and publicly traded financial institutions and established commercial borrowers. We help with general commercial financing, asset-based financing, construction financing, and real estate financing.
• Capital transactions. Public and private companies often rely on capital raising transactions from early to late stages in order to support their operations and expansions. These include, among other types, angel investments, preferred stock, and mezzanine financings.
• Other transactions. For all types of transactions, including capital, you will need an attorney to help ensure the deal is properly handled. This includes negotiating and structuring the deal, conducting due diligence, document drafting and preparation, and handling all other aspects of the arrangement from start to finish.
• Individual lending and investing. We also provide personal lending and investment services, including for high-net-worth individuals. This includes but is not limited to lending negotiation and investment advising.
• Debt and equity financing. Our firm can help with public and private sales of equity and debt securities for a variety of companies. We also represent commercial banks and other lending institutions with structuring, documenting, and negotiating all manner of unsecured and secured debt funds.
• Acquisition of distressed entities. Investors and competitors often seek to acquire, sell, or invest in troubled financial institutions and other businesses, including those facing insolvency and bankruptcy. We can advise regarding the potential advantages and disadvantages of these transactions and handle due diligence, negotiations, and other elements of these deals.
• Corporate governance. Every bank and financial institution needs efficient corporate governance structures to ensure smooth functioning, protect profits, and minimize liability. This includes proper risk management, dispute resolution, board structuring, internal auditing, and much more.
• New product offerings. Banks and financial institutions routinely devise new consumer and commercial products such as insurance and investment offerings. But actually implementing these products is another matter. We can help your organization from the planning and development to the roll-out phase, with an eye towards risk management considerations.
• Compliance. Regulatory compliance is an ongoing need for every business that conducts banking and financing. Our attorneys routinely serve as outside general or special counsel to financial institutions with respect to their compliance needs. That includes advising our clients as to new and emerging regulations that may impact their business.

The Types Of Clients We Represent

At SederLaw, we strive to serve the legal needs of financial institutions and corporations of all sizes, as well as individuals. That means we work hard to provide comprehensive representation and counsel to such varied clients as:

• Banks, including regional, national, and community banks
• Commercial borrowers and corporations
• Credit unions
• Trust companies
• Hedge funds and private equity funds
• Mezzanine financiers
• Conduit lenders
• Institutional and individual investors
• Mortgage companies
• Trade credit, equipment, and lease finance companies
• Other borrowers and financiers

To provide proper and thorough guidance to our clients, we often consult attorneys practicing in SederLaw’s other groups, such as Business & Corporate, Tax, Real Estate, Private Equity, and Creditors’ Rights.

Contact Our Worcester Banking And Finance Attorney

Banking and finance laws are intricate and ever-evolving, and require the commitment of a law firm that has diligently practiced in these areas for years. Find out why so many financial institutions have come to trust the knowledgeable legal representation that only SederLaw can provide. Contact us today to schedule your consultation.

Our Estates & Trusts attorneys provide estate planning, estate and trust administration, and related services. In addition to basic planning and administration, our representation includes gift and estate tax planning, family business planning, protection of family assets from exposure to future claims and liabilities (including divorce), strategies with retirement plans and Individual Retirement Accounts, elder law planning, and many other related areas.

Our intellectual property attorneys offer clients a full range of legal services relating to the acquisition; maintenance; and, enforcement of intellectual property and related assets. The firm’s services include providing innovative counseling to both established companies and start-up firm clients involving trademarks; trade secrets; patents; copyrights; and, privacy. Our attorneys also litigate these issues in federal and state courts.

The firm’s experience extends to various intellectual property transactions, including negotiating and drafting licenses and handling a wide variety of matters that relate to the creation, use, licensing and transfer of information technologies. Our attorneys have significant experience in drafting licenses, non-disclosure, collaboration, manufacturing and distribution agreements.

Our attorneys strive to create or add and maximize the value of our client’s technologies and their portfolios through not only an understanding of intellectual property matters, but also an understanding of our client’s underlying science and technology and business models.

• Trademark: Our attorneys have years of experience assisting clients in obtaining, protecting and enforcing trademarks. The firm’s services include: conducting and reviewing searches and investigations for trademark clearance; preparing opinion letters; filing and prosecuting trademark applications; handling the prosecution and defense of trademark administrative proceedings; monitoring and policing the use of trademarks by third parties; and, providing general trademark and domain name counseling.
• Copyright: The firm’s intellectual property attorneys provide copyright advice to a wide range of clients, particularly software developers and authors. Our lawyers also have extensive experience with representing content creators, including authors and artists, and assisting them in obtaining, protecting and enforcing their copyright.
• Licensing: Our attorneys handle the entire spectrum of intellectual property and technology licensing arrangements, ranging from traditional license agreements to complex ventures for joint development of products, applications and systems. We regularly advise clients with trademark licenses; software licenses; software development; distribution agreements; manufacturing agreements; and, joint venture agreements.
• Manufacture, Supply and Distribution: The firm’s intellectual property and business attorneys regularly represent companies in manufacture; supply; and, distribution contracts. We have represented companies in the pharmaceutical; chemical; and, other industries with key manufacture, supply, and distribution agreements. From our many years of experience, we have substantial experience with these critical types of commercial arrangements and the legal and strategic issues involved therein.
• Privacy and Cybersecurity: Our attorneys help companies navigate and comply with the evolving landscape of privacy law issues. With the significant increase in the number of actual and attempted data security breaches, which result in high cost responses, data security has become a top priority. The firm can provide clients with the key resources they need to prepare for, and respond to, data security incidents.
• Litigation: The firm represents clients in their most important intellectual property disputes, whether in federal or state court, before the Trademark Trial and Appeal Board, or in mediation or arbitration. Our attorneys represent clients in all aspects of intellectual property litigation, including copyright and trademark infringement; Lanham Act claims; trade secret litigation; and, patent infringement actions. We guard clients’ key products and brands, both by defending against infringement allegations and enforcing intellectual property rights. Our experience allows us to creatively and strategically manage every phase of a case, often enabling us to resolve our clients’ matters prior to trial. When cases do advance to trial, our clients benefit from the experience of our litigators, who have had notable success in federal and state court, as well as in the other forums in which such disputes are adjudicated.