Financial Services Group

Service to the financial institution market is one of the longest established core practices of SGK. For over three quarters of a century, we have provided solutions to financial institutions for serving their communities, depositors and shareholders within the dynamic framework of regulatory schemes affecting business activities and product offerings. In coordination with our diverse practice areas and in cooperation with legal departments, the Financial Services Group works directly with the business, product, marketing and operations of financial institutions in secured and unsecured lending transactions and credit recovery matters; in designing and documenting new consumer credit or retail deposit products; in regulatory and compliance matters affecting lending and deposit products; in due diligence for portfolio sale and acquisition transactions, and in developing online banking solutions. The Financial Services Group also assists financial institutions with their purchase, licensing or development of technology.

Ours is a sophisticated financial services practice. SGK’s dedication to providing cost-effective, responsive service and excellent work requires a focused core practice to maximize efficiency, to utilize the appropriate level of resources, and to establish and build long-term relationships.

Representative examples of our services to financial institutions include:

Retail Financial Services

  • General Consumer Credit and Deposit Advisory Activities
  • eCommerce Banking Solutions
  • Online Banking & Deposit Platforms
  • Card – Credit, Debit and Stored Value Product Development and Servicing
  • Product Design and Documentation, Including Real Estate Secured
  • State and Federal Rate Regulation Analysis, Including Reg Z, FCRA, TCPA, Reg B, Reg E, Reg CC, Reg DD, Reg Q, Reg P
  • Portfolio Acquisitions and Sales (both high grade portfolios and distressed portfolios)
  • Portfolio Due Diligence and Integration / Conversion
  • Compliance Reviews and Audits
  • Policy and Procedure Manuals
  • GLB and Privacy Matters
  • Representation before Regulatory Bodies
  • State Licensing Activities, for Lending Licenses, Money Transmitter Licenses, etc.
  • Litigation Defense, including Lender Liability
  • Residential Construction Loan Programs
  • Private Student Loan Program Development
  • Coordination and Management of Multi-State Consumer Product Roll-Out
  • Financial Technology Including Cryptocurrency, Blockchain, and Related Matters

Commercial, Industrial and Real Estate Lending Services

  • Asset Based Financing
  • Financing for Mergers & Acquisitions
  • Term Loans
  • Real Estate Loans
  • Construction Financing
  • Revolving Lines of Credit
  • Letters of Credit
  • Corporate Lending
  • Secured and Unsecured Lending
  • Multi-bank Credit Facilities
  • Mezzanine Financing Transactions
  • Intercreditor and Subordinated Debt Transactions
  • Private Equity and Venture Capital Transactions

Commercial Credit Recovery

  • Loan Restructures
  • Loan Workouts
  • Asset Sales
  • Bankruptcy and Reorganization
  • Foreclosure
  • Deed-in-Lieu Transactions
  • Liquidation
  • Debtor-in-Possession Financing
  • Creditor Plans of Reorganization

Commercial Litigation

  • Lender Liability Claims
  • Fraud and Misrepresentation Claims
  • Preference Claims
  • Discharge Litigation
  • UCC Issues
  • Check and Deposit Claims