Best Structured Finance Lawyers in Burlington

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Lippes Mathias LLP
Burlington, Canada

Founded in 1965
177 people in their team
English
Lippes Mathias LLP is a full-service law firm with more than 135 attorneys serving clients regionally, nationally, and internationally. With offices in Buffalo, N.Y.; Albany, N.Y.; Burlington, Ontario; Chicago, Ill.; New York City; Jacksonville, Fla; and Washington, D.C., the firm represents a wide...
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About Structured Finance Law in Burlington, Canada

Structured finance is a sophisticated area of finance that involves complex financial instruments and transactions designed to help organizations raise capital, manage risk, and achieve specific financial objectives. In Burlington, Canada, structured finance often applies to transactions such as asset-backed securities, mortgage-backed securities, collateralized debt obligations, and other methods of bundling and transferring risk or assets. Legal professionals in this field work to ensure that these transactions comply with laws and regulations, protect clients’ interests, and help mitigate potential liabilities.

Why You May Need a Lawyer

Structured finance transactions are intricate and typically involve multiple parties, significant sums of money, and rigorous compliance requirements. Common situations where legal assistance is crucial include:

  • Creating or investing in asset-backed securities
  • Managing mortgage-backed transactions
  • Drafting, negotiating, and reviewing transaction documentation
  • Ensuring compliance with provincial and federal securities laws
  • Facilitating private placements or public offerings of structured products
  • Addressing disputes or litigation arising from structured finance deals
  • Advising on tax implications of structured transactions
  • Assessing and mitigating risks in structured finance deals

Local Laws Overview

In Burlington, which falls within the province of Ontario, structured finance activities are governed by a combination of federal and provincial laws. Key legal considerations include:

  • Securities Act (Ontario): Outlines the requirements for issuing and trading securities, including asset-backed and structured products.
  • Trust and Loan Companies Act: Regulates entities engaging in trust or loan business involving structured finance transactions.
  • Personal Property Security Act (Ontario): Governs the creation and priority of security interests in assets used in structured transactions.
  • Financial Consumer Agency of Canada (FCAC) regulations: Provide consumer protection measures related to structured products and disclosure obligations.
  • Lawyers must ensure that all documentation complies with applicable tax, insolvency, and anti-money laundering legislation.
  • All structured finance deals must adhere to requirements set by regulatory bodies such as the Ontario Securities Commission (OSC) and, where applicable, the Canadian Securities Administrators (CSA).

Frequently Asked Questions

What is structured finance?

Structured finance involves the use of complex financial instruments and arrangements, often to raise capital or manage risks, such as through asset-backed or mortgage-backed securities.

Who are the main participants in a structured finance transaction?

Participants typically include issuers, investors, banks, financial advisors, and legal counsel, as well as rating agencies and trustees.

Are there specific regulations for structured finance in Burlington or Ontario?

Yes. Structured finance is regulated primarily under the Ontario Securities Act and related regulations, as well as federal laws overseeing financial institutions and anti-money laundering measures.

What are common risks associated with structured finance products?

Risks can include credit risk, market risk, legal and compliance risks, and the risk of insufficient or inaccurate disclosure of underlying assets.

When should I consult a structured finance lawyer?

It is advisable to consult a lawyer at the earliest stages of planning a structured finance transaction, including before entering negotiations or signing agreements.

How do lawyers help structure these complex transactions?

Lawyers help by drafting documents, ensuring regulatory compliance, advising on deal structure, conducting due diligence, and managing risk allocation among parties.

What are asset-backed securities?

Asset-backed securities are financial instruments whose value and income payments are derived from a pool of underlying assets, such as loans, leases, or receivables.

Can structured finance be used by small businesses in Burlington?

While most commonly utilized by large corporations and financial institutions, certain forms of structured finance may be accessible to medium-sized businesses with the right asset base.

Is there any consumer protection for investors in structured products?

Yes. There are stringent disclosure requirements, and products must be offered in compliance with investor protection regulations overseen by bodies such as the OSC and FCAC.

What should I look for when choosing a structured finance lawyer in Burlington?

Seek a lawyer with experience in structured finance transactions, strong knowledge of relevant laws and regulations, and a track record of advising clients in similar industries.

Additional Resources

If you are seeking further information or legal assistance in structured finance in Burlington, consider the following resources:

  • Ontario Securities Commission (OSC): Regulates securities transactions within Ontario and provides guidance on compliance and investor protection.
  • Canadian Securities Administrators (CSA): Coordinates and harmonizes regulation of Canadian capital markets.
  • Financial Consumer Agency of Canada (FCAC): Provides education and oversight for financial products and consumer rights.
  • Law Society of Ontario: Professional regulatory body for lawyers in Ontario, offering lawyer referrals and resources on legal services.
  • Canadian Bar Association - Ontario Branch: Offers public legal information and resources related to financial and securities law.
  • Local business development centers: Can provide initial guidance for businesses considering structured finance options.

Next Steps

If you require legal advice or assistance related to structured finance in Burlington, take the following steps:

  1. Assess your needs - determine whether you are seeking information, planning a transaction, or require representation in a dispute.
  2. Research local structured finance lawyers or law firms with relevant experience.
  3. Prepare your documentation, including any financial statements, transaction details, and contracts for review.
  4. Schedule a legal consultation to discuss your objectives and concerns.
  5. During the consultation, ask about the lawyer’s relevant experience, fee structure, and approach to managing structured finance matters.
  6. Follow legal counsel’s advice closely to ensure compliance and protect your interests throughout the transaction or legal process.
  7. Consider ongoing legal support, especially for businesses or entities with recurring or complex financing needs.

Taking these steps will help facilitate a smoother, more secure structured finance experience in Burlington, Canada.

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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.