Best Structured Finance Lawyers in Beverly Hills

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Howard & Howard Attorneys PLLC
Beverly Hills, United States

Founded in 1869
304 people in their team
English
Howard & Howard is a full-service law firm with a national and international practice that provides legal services to businesses and business owners. The firm has offices in Royal Oak, Michigan; Illinois (Chicago and Peoria); Las Vegas, Nevada; and Beverly Hills, California. From our...
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About Structured Finance Law in Beverly Hills, United States

Structured finance refers to complex financial transactions designed to address specific funding needs that standard financial solutions cannot fulfill. In Beverly Hills, as part of the wider Los Angeles metropolitan area and the State of California, structured finance plays a crucial role in the real estate, entertainment, and corporate sectors. Structured finance often involves securitization, collateralized debt obligations, asset-backed securities, and various forms of risk-transfer mechanisms, enabling businesses and individuals to manage investment risks while raising capital. Due to the high-value transactions and unique industries in the area, structured finance in Beverly Hills is subject to both federal and state regulations with local nuances that require specialized legal expertise.

Why You May Need a Lawyer

If you are considering or involved in any structured finance transaction in Beverly Hills, legal guidance is highly recommended. Common situations where legal help may be essential include:

  • Negotiating and drafting structured finance agreements
  • Asset securitization and the creation of special purpose vehicles
  • Compliance with federal and California securities regulations
  • Due diligence for commercial real estate or large corporate transactions
  • Disputes or litigation related to structured products
  • Tax structuring and implications for complex deals
  • Assessing and mitigating risks in lending or investment transactions
  • Understanding contractual obligations and rights

Structured finance law is highly specialized, and mistakes can lead to significant financial losses, regulatory penalties, or litigation. A knowledgeable attorney can help you navigate these sophisticated transactions with confidence.

Local Laws Overview

Structured finance in Beverly Hills is mainly governed by federal laws, California state laws, and some specific local ordinances. Key aspects include:

  • California Securities Law: California has its own securities regulations, known as the California Corporate Securities Law, which operates alongside federal securities law overseen by the SEC (Securities and Exchange Commission). Any security offerings or complex investment products require compliance with both sets of rules.
  • Real Estate Laws: Beverly Hills, with its significant real estate market, is subject to California’s strict real estate and lending laws, which influence how commercial mortgage-backed securities and other real estate-backed instruments are structured.
  • Tax Regulations: Both federal and state tax codes impact the structuring of transactions in Beverly Hills, affecting deductions, credits, and tax liabilities.
  • Contract Law: The California Civil Code governs contracts, affecting how structured finance agreements are interpreted and enforced locally.
  • Licensing Requirements: Certain structured finance activities may require state or local business licensing or registration with regulatory bodies.
  • Consumer Protection Laws: California’s robust consumer protection statutes can apply to some structured products, depending on the parties and nature of the transaction.

Given the multi-layered regulatory framework, having a local attorney familiar with Beverly Hills and California law is invaluable.

Frequently Asked Questions

What is structured finance?

Structured finance is a branch of finance that involves complex financial instruments and transactions designed to meet specific needs, such as raising capital, managing risk, or facilitating large-scale projects that may not be possible with traditional lending.

What types of transactions fall under structured finance in Beverly Hills?

Common transactions include mortgage-backed securities, asset-backed securities, syndicated loans, collateralized loan obligations, special purpose entities, and financing for large real estate or entertainment projects.

Do I need a lawyer if I am investing in a structured product?

Yes, an attorney can help you understand the risks, review documentation, ensure regulatory compliance, and protect your interests throughout the transaction.

What are the risks associated with structured finance?

Risks may include credit risk, market volatility, complex legal structures, regulatory compliance issues, liquidity constraints, and potential tax consequences.

Are there special regulations for structured finance in California?

California has its own securities and financial regulations that apply alongside federal laws, including specific filing and reporting requirements and consumer protections.

Can structured finance be used for real estate development in Beverly Hills?

Yes, structured finance is commonly used for real estate projects to securitize loans or pool investments, making large developments financially feasible.

How do I know if my structured finance transaction is compliant with the law?

A qualified lawyer can conduct legal due diligence, ensure compliance with all relevant laws, and advise you on applicable regulations specific to your industry and transaction type.

What should I look for in a structured finance lawyer?

Look for an attorney with specialized experience in structured finance, familiarity with both California and federal regulations, negotiation skills, and a track record of representing clients in similar transactions.

What role does the SEC play in structured finance deals?

The SEC regulates securities offerings and trading in the United States, including many structured finance products. Compliance with SEC rules is critical for legal operation.

Can disputes over structured finance deals end up in court?

Yes, disputes over contracts, defaults, or regulatory compliance can lead to litigation. Skilled legal representation is essential for both prosecution and defense in these situations.

Additional Resources

If you are seeking additional information or support regarding structured finance in Beverly Hills, consider reaching out to:

  • Securities and Exchange Commission (SEC) - oversees federal securities regulations
  • California Department of Financial Protection and Innovation (DFPI) - regulates financial services and products in California
  • Los Angeles County Bar Association, Business & Corporations Law Section - offers lawyer referrals and information
  • California State Bar - provides public resources and attorney listings
  • U.S. Small Business Administration (SBA) - may offer guidance on structured financing for qualified businesses

In addition, many local law firms in Beverly Hills specialize in structured finance and related legal services.

Next Steps

If you need legal assistance with structured finance in Beverly Hills, here is how to move forward:

  • Gather all documents related to your case or transaction, including contracts, financial statements, and correspondence.
  • Identify your specific objectives, such as raising capital, reducing risk, or structuring a complex deal.
  • Contact a lawyer or law firm that specializes in structured finance and has experience in Beverly Hills and California law.
  • Schedule a consultation to discuss your needs, ask about their experience, approach, and fees.
  • Work closely with your attorney to ensure compliance, negotiate the best terms, and protect your interests throughout the process.

By following these steps and utilizing available resources, you will be well-prepared to navigate the complexities of structured finance transactions in Beverly Hills with confidence.

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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.