Best Structured Finance Lawyers in San Juan

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Founded in 1980
50 people in their team
Spanish
English
Your trusted partners in immigration law, banking law, commercial law and regulatory affairs. With over 40 years of experience.At Ana Del Mar Morales Cotto & Rushford Legal Group, we have been providing exceptional legal services in critical areas such as family and business immigration,...
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IRW

IRW

San Juan, Puerto Rico

Founded in 2000
50 people in their team
Spanish
English
Our TeamOur all-female team of professionals is eager to show you a level of personal care and exceptional service that makes being our client a positively unique experience you will never forget.IRWIRW is more than a law firm; it’s a one-stop shop for planning a secure future. We don’t just...
Vivoni Law Office, LLC.
San Juan, Puerto Rico

Founded in 2007
50 people in their team
Spanish
English
Welcome to Vivoni Law Office - Your trusted partner in navigating the Puerto Rico legal landscape.With 16 years of experience specializing in marketing law, notarial services, property closings, commercial relationships, contractual and administrative law, our practice boasts a warm,...
Bellver Espinosa Law Firm
San Juan, Puerto Rico

Founded in 2000
50 people in their team
Spanish
English
Welcome to the Bellver Espinosa Law FirmWe are a boutique litigation Law Firm that has successfully represented corporate and individual clients in State and Federal Courts as well all levels of Appellate Courts. Our lawyers are focused on a singular goal: achieving the best possible cost-effective...
McConnell Valdés LLC
San Juan, Puerto Rico

Founded in 1946
50 people in their team
Spanish
English
The evolution of McConnell Valdés has always been linked to the progress of Puerto Rico. Founded in 1946 by lawyers Herbert McConnell and Adolfo "Wally" Valdés, it begins at a time when Puerto Rico was embarking on an industrialization process that would bring in the giants of the manufacturing...
RGF LAW FIRM

RGF LAW FIRM

1 hour Free Consultation
San Juan, Puerto Rico

Founded in 1997
8 people in their team
Spanish
English
RGF LAW FIRM | Trusted Puerto Rico Legal Experts Since 1997We have been proudly serving clients in Puerto Rico since 1997, offering trusted legal expertise and personalized solutions. Our dedicated team is committed to meeting your legal needs with precision and professionalism.We specialize in a...
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About Structured Finance Law in San Juan, Puerto Rico

Structured finance is a complex area of law that centers on the design and execution of sophisticated financial instruments and transactions. In San Juan, Puerto Rico, structured finance commonly involves asset-backed securities, securitizations, project finance, collateralized loan obligations, and other tailored financial solutions. These transactions are crucial in mobilizing capital for businesses, government entities, and infrastructure projects. Puerto Rico’s unique political and economic landscape, combined with specific local and federal regulations, shapes the structured finance market, making specialized legal advice essential for stakeholders.

Why You May Need a Lawyer

People and businesses often require legal help with structured finance in several scenarios. You may need a lawyer if you are:

  • Structuring or negotiating a complex finance transaction, such as the securitization of loans or receivables
  • Issuing or investing in asset-backed securities or project bonds
  • Complying with local and federal regulations, including those of the Securities and Exchange Commission (SEC) and Puerto Rico’s government
  • Restructuring existing debt or seeking bankruptcy protection
  • Transferring assets as part of a financial restructuring or sale
  • Engaging in public-private partnerships for infrastructure development
  • Mitigating legal risks in cross-border transactions involving Puerto Rico and the United States
  • Facing disputes related to default, foreclosure, or enforcement of structured financing agreements

Because structured finance involves significant legal, regulatory, and tax considerations, an experienced lawyer is necessary to help navigate the risks, draft essential documents, and protect your interests.

Local Laws Overview

Pertinent laws and regulations in San Juan, Puerto Rico, influence how structured finance transactions are executed. Some of the most relevant aspects include:

  • Puerto Rico Financial Oversight and Management Board (FOMB) - The FOMB exercises oversight under PROMESA, particularly over public debt restructuring and fiscal plans. Transactions involving government or public corporations may require FOMB review or certification.
  • Regulatory Duality - Puerto Rico is subject to both U.S. federal securities and banking laws, and local Puerto Rico statutes. This can affect disclosure requirements, registration, and enforcement.
  • Collateral and Bankruptcy Law - Security interests are governed by local secured transactions rules, which are closely related to UCC Article 9 but include Puerto Rico-specific nuances. The local bankruptcy process may differ from that of the states.
  • Tax Incentives - Various local tax incentive programs (Acts 20, 22, 60, and others) can impact the structuring of finance deals by offering income and capital gains tax reliefs that are not available elsewhere.
  • Public-Private Partnerships (PPPs) - Puerto Rico has enacted its own PPP law (Act 29-2009) to facilitate infrastructure deals using structured finance.

Qualified legal professionals will ensure compliance with both sets of laws and maximize available benefits when structuring your transaction.

Frequently Asked Questions

What is structured finance?

Structured finance refers to complex financial instruments and transactions designed to move risk, raise capital, or tailor financial solutions, often using securitization, asset-backed securities, or project finance structures.

What types of transactions are common in Puerto Rico?

Common structured finance transactions in Puerto Rico include securitization of receivables, project finance for infrastructure, public-private partnerships, loan syndications, municipal bonds, and distressed asset transfers.

Does Puerto Rico follow U.S. financial regulations?

Puerto Rico is subject to U.S. federal regulations on securities and banking, but also has its own local laws and regulatory requirements. A legal professional can help navigate both sets of rules.

How does PROMESA affect structured finance?

PROMESA established a federal oversight board with significant authority over Puerto Rico's finances. Any structured finance transactions involving public entities may require compliance with PROMESA requirements.

What are the risks of not using a structured finance lawyer?

Without legal counsel, you may face regulatory penalties, failed transactions, tax complications, or unenforceable agreements due to the complexity and dual regulatory environment.

Are there tax benefits for structured finance in Puerto Rico?

Yes, tax incentive acts like Acts 20, 22, and 60 offer substantial benefits for certain transactions and investors participating in Puerto Rico’s financial sector.

How are asset-backed securities regulated?

Asset-backed securities must comply with both local Puerto Rico securities laws and U.S. federal rules, including registration, disclosure, and reporting provisions.

Can foreign entities participate in Puerto Rico structured finance?

Yes, foreign entities can invest and participate but may face additional requirements related to registration, taxation, and currency controls, depending on the transaction type.

What documentation is typically required?

Documentation may include offering circulars, trust agreements, security agreements, indentures, disclosure statements, and regulatory filings, among others.

Where can I find a qualified structured finance lawyer?

Puerto Rico has several law firms and attorneys specializing in structured finance. It is important to select a professional with experience in both local and federal laws.

Additional Resources

For individuals and businesses seeking further information or assistance, the following resources can be helpful:

  • Puerto Rico Financial Oversight and Management Board (FOMB)
  • Puerto Rico Department of Economic Development and Commerce (DDEC)
  • Puerto Rico Office of the Commissioner of Financial Institutions (OCIF)
  • Puerto Rico Department of Treasury (Hacienda)
  • U.S. Securities and Exchange Commission (SEC)
  • Puerto Rico Bar Association
  • Puerto Rico Bankers Association

Next Steps

If you believe you need legal assistance regarding structured finance in San Juan, Puerto Rico, consider the following steps:

  • Identify the nature and goals of your transaction
  • Gather all relevant financial and legal documents
  • Research and contact attorneys specializing in structured finance and Puerto Rico law
  • Arrange an initial consultation to discuss your needs and project scope
  • Ensure your legal team is prepared to address both local and federal compliance, as well as tax implications
  • Remain engaged throughout the process and seek clarification on any aspect that seems unclear

Taking these steps with the guidance of an experienced structured finance lawyer can help you successfully navigate complex transactions in San Juan, Puerto Rico.

Lawzana helps you find the best lawyers and law firms in San Juan 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 Structured 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 San Juan, Puerto Rico - 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.