Reliable New Jersey Banking Lawyers

Helping lenders and borrowers adjust to an ever-changing economic environment
The U.S. economy turns on consumer and commercial lending and borrowing practices. Banks are at the center of this movement. In recent years, economic downturns have caused regulatory officials to step in to correct problems seen in banking practices. To consumers and commercial borrowers, this regulatory crackdown means they have to overcome ever-higher hurdles to secure necessary financing. To lenders and loan officers, it means more stringent background checks and keeping a closer eye on existing loans. In this sociopolitical landscape, Serber Konschak LLP has dedicated itself to helping clients adjust to changing regulations. We provide legal services related to each of the following matters:

Regulatory matters

  • Federal Reserve matters
  • Office of the Comptroller matters
  • Federal Deposit Insurance Corporation (FDIC) matters
  • Sarbanes-Oxley violations
  • Antitrust investigations

Compliance with state laws

  • Affiliate or insider relationships
  • Money laundering prohibitions
  • Capital adequacy regulations

Commercial lending

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Lines of credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit

Consumer protection in bank lending

  • Truth in lending
  • Truth in savings
  • Equal credit opportunity
  • Fair lending
  • Electronic funds transfer
  • Fair Credit Reporting Act
  • Information privacy and security
  • Credit card regulations
  • Bounced checks and overdrafts
  • Line-of-credit accounts
  • Mortgage loans
  • Deposit accounts
  • Credit card debts
  • Internet banking
  • Bill payment
  • Cash management services
  • Frozen accounts
  • Holds on deposits

Corporate transactions

  • Mergers and acquisitions
  • Purchase and sale agreements

Organization or reorganization of holding companies

Bank representation

  • Conflicting claims against a joint account
  • Exercising the right to set-off
  • Collections litigation
  • Allegations of unauthorized use of debit/credit cards
  • Creditors’ rights litigation

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