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Banking & Consumer Finance


Overview

Carlton Fields represents banks and other financial institutions in connection with commercial finance transactions and consumer lending litigation and regulatory matters. Our commercial finance lawyers represent many of the country’s largest and most sophisticated institutions, including national and regional banks, in the full range of commercial finance transactions, with an emphasis on commercial real estate and asset-backed financing. Our consumer finance lawyers represent banks, servicers, and other industry clients in high-stakes individual and class action consumer litigation with the goal of limiting or eliminating portfolio level risk. We also provide regulatory and compliance advice on data security, cyber risk, and compliance with federal and state consumer financial protection laws and regulations.  
 
  • Consumer Finance
    Carlton Fields has extensive experience representing banks and other financial service industry clients in state, federal and bankruptcy court litigation, and arbitration. In addition to defending banks in high stakes individual and class action consumer litigation, our lawyers counsel and advise the industry on data security, cyber risk, and compliance with federal and state consumer financial protection laws and regulations, including Consumer Financial Protection Bureau (CFPB) regulations. Learn more about our consumer finance practice.
     
  • Creditors' Rights and Bankruptcy
    Our extensive insolvency, reorganization, and restructuring practice includes the representation of foreign and domestic commercial lenders, creditors’ committees, unsecured creditors, Chapter 11 and Chapter 7 trustees, court-appointed receivers, assignees, landlords, bondholders, and purchasers of assets of bankruptcy estates. We have also represented debtors in possession in several large Chapter 11 cases. Learn more about our creditors' rights and bankruptcy practice.
     
  • Distressed Asset and Workout
    We provide strategies and solutions throughout all phases of problem loan resolution, including workouts, litigation, and bankruptcy proceedings. Our representation begins with a thorough review of the debt relationship, which includes an analysis of credit and litigation risk from which we develop a timely, cost effective strategy.  Learn more about our distressed asset and workout representation.
     
  • Institutional Investment and Finance
    Our commercial real estate and finance lawyers represent many of the country’s largest and most sophisticated life insurance companies, commercial banks, Wall Street investors, private equity funds, conduits, originals, master and special servicers, pension fund advisors, ratings agencies, and other institutional clients in the full range of real estate transactions and other investments.  Learn more about our services for institutional investment and finance clients.

     

All Insights

In California, a New Era in U.S. Privacy

In California, a New Era in U.S. Privacy

October 1, 2018

In June, California passed a sweeping new privacy law that will impact an estimated 500,000 businesses in the United States.

NIST Provides Guide and Example Solution for IT Asset Management

NIST Provides Guide and Example Solution for IT Asset Management

October 1, 2018

On September 7, the National Cybersecurity Center of Excellence (NCCoE) and the National Institute of Standards and Technology (NIST) published Special Publication 1800-5 – IT Asset Management Practice Guide (the Guide) to help financial services companies tackle challenges in managing both the hardware and software components of their information technology assets.

Jump in Credit Scores Means Dip in Underwriting Predictability

Jump in Credit Scores Means Dip in Underwriting Predictability

September 26, 2017

Underwriters that rely on popular credit-scoring models like FICO and VantageScore to assess risk may have noticed that some consumer credit scores jumped recently.

Texas Court Holds FDCPA Requires Snail Mail

Texas Court Holds FDCPA Requires Snail Mail

May 8, 2017

A debt collector runs afoul of the Fair Debt Collection Practices Act (FDCPA) if it fails to mail its response to a consumer’s request for verification of debt, ruled a Texas federal judge in Ghanta v. Immediate Credit Recoveries, Inc.

What’s To Be Done about a Rule That Doesn’t Work? The CRE Finance Council Launches a High-Volatility CRE (HVCRE) Working Group

What’s To Be Done about a Rule That Doesn’t Work? The CRE Finance Council Launches a High-Volatility CRE (HVCRE) Working Group

February 1, 2017

Firstly, HVCRE is a classification under Basel III requirements for Risk- Based-Capital (RBC) rules. The intent behind the rule is presumably to reduce the volume of riskier exposures in the banking system by requiring larger capital requirements for loans classified as (or having elements of) Acquisition, Development or Construction (ADC) that are not permanent financing.

Key Contacts

Other Team Members

Beth A. Vecchioli

Beth A. Vecchioli

Senior Director Government Consulting
Peter J. Winders

Peter J. Winders

Shareholder and General Counsel

Featured Insights

Disclaimer

The information on this website is presented as a service for our clients and Internet users and is not intended to be legal advice, nor should you consider it as such. Although we welcome your inquiries, please keep in mind that merely contacting us will not establish an attorney-client relationship between us. Consequently, you should not convey any confidential information to us until a formal attorney-client relationship has been established. Please remember that electronic correspondence on the internet is not secure and that you should not include sensitive or confidential information in messages. With that in mind, we look forward to hearing from you.