 Banking & Financial ServicesAchievementsBest Lawyers® “Best Law Firms” – Banking and Finance Law, Metropolitan Tier Ranking (2011-2026) ExperienceHospitality TransactionsRepresents a private hospitality lender in connection with bridge loans to hotel owners and operators, including advising on deal structure, preparing and [more]Represents a private hospitality lender in connection with bridge loans to hotel owners and operators, including advising on deal structure, preparing and negotiating loan documents and assisting with loan workouts and foreclosures. [less]Corporate and Regulatory RepresentationRepresented regional financial institution in regulatory matters related to mergers and acquisitions, entity management, governance and [more]Represented regional financial institution in regulatory matters related to mergers and acquisitions, entity management, governance and holding company compliance. [less]Lender RecapitalizationRepresented a Fort Worth-based specialty lender to the real estate and equipment leasing industries in connection with its recapitalization. The [more]Represented a Fort Worth-based specialty lender to the real estate and equipment leasing industries in connection with its recapitalization. The recapitalization included the negotiation of a new $120 MM secured credit facility from the family office that controls the company in connection with a $75 MM secured line of credit from a Texas-based commercial bank. We prepared all documentation in connection with the family office financing and negotiated all credit documents with respect to the line of credit. We currently represent the company in its aviation financing transactions. [less]Finance TransactionsRepresents several regional banks in connection with a diverse portfolio of financing transactions. The Firm navigates complex deal structures to [more]Represents several regional banks in connection with a diverse portfolio of financing transactions. The Firm navigates complex deal structures to advise on, document, and close financing transactions of all types (including construction, development, acquisition and refinancing), spanning a range of asset classes, including mixed use developments, multifamily housing projects, office buildings, retail centers, assisted living facilities, and hospitality projects. [less]Real Estate FinanceRepresented a privately held real estate lender, and its affiliates, in connection with the construction of a 441-room hotel in Las Vegas, Nevada. This included [more]Represented a privately held real estate lender, and its affiliates, in connection with the construction of a 441-room hotel in Las Vegas, Nevada. This included a construction loan of up to $67 MM, two tranches of PACE loans totaling $40 MM an EB-5 loan of up to $56 MM, and a $39 MM leverage loan. The firm acted as secured lender counsel on the construction and PACE loans and as borrower's counsel on the leverage loan. We continue to represent the lender and its affiliates in connection with a variety of ongoing real estate finance matters. [less]Lead Borrower CounselServed as lead borrower's counsel in $850 million secured financing for base load coal power plants located in the Midwestern U.S. Served as lead borrower's counsel in $850 million secured financing for base load coal power plants located in the Midwestern U.S. [less]Private Equity Fund InvestmentRepresented international LNG developer in $1.5 billion private equity fund investment to construct, develop and own an LNG export terminal in [more]Represented international LNG developer in $1.5 billion private equity fund investment to construct, develop and own an LNG export terminal in Louisiana. [less]Power Generation Portfolio AcquisitionServed as lead counsel in original financing of power generation portfolio acquisition, and subsequent roll-up financing of original portfolio debt and [more]Served as lead counsel in original financing of power generation portfolio acquisition, and subsequent roll-up financing of original portfolio debt and additional acquisition debt in the 144A and Term Loan B markets. [less]Energy Debt RestructuringActed as lender’s counsel in the debt restructuring of a $150 MM term loan, revolver and swing loan facility for a Texas-based energy services company. Acted as lender’s counsel in the debt restructuring of a $150 MM term loan, revolver and swing loan facility for a Texas-based energy services company. [less]Consumer FinanceServed as Texas consumer credit compliance counsel for multi-state consumer retailers, including the preparation of retail installment sale and retail [more]Served as Texas consumer credit compliance counsel for multi-state consumer retailers, including the preparation of retail installment sale and retail charge card contracts and consumer finance policies. [less]Electronic PaymentsServed as lead payments counsel for a bank acting as Originating Depository Financial Institution on a national basis under the ACH Network. Served as lead payments counsel for a bank acting as Originating Depository Financial Institution on a national basis under the ACH Network. [less]Lender RepresentationRepresented a major financial institution in its capacity as a lender and predecessor administrative and collateral agent on a $360 MM syndicated loan [more]Represented a major financial institution in its capacity as a lender and predecessor administrative and collateral agent on a $360 MM syndicated loan facility to a cocoa trader / processor in the United States with a global footprint through affiliates in Europe, Asia, West Africa and Ecuador. The borrower filed Chapter 11 bankruptcy in the Southern District of New York, which was subsequently converted to a Chapter 7 and the borrower’s German affiliate was liquidated in Germany. The banking syndicate contracted with a litigation manager to manage the civil fraud claims against a number of the borrower’s officers and directors, as well as undertake other recovery analysis and claims prosecution. [less]Lender Liability DefenseRepresented the lender in a $12 MM collection action against a borrower and its guarantor on a credit facility extended to a hospital. The defendants [more]Represented the lender in a $12 MM collection action against a borrower and its guarantor on a credit facility extended to a hospital. The defendants counterclaimed lender liability theories. Counsel obtained appointment of a receiver, after which the defendants filed bankruptcy. Summary judgment was granted by the bankruptcy court, and the case ultimately settled for the full amount due under the notes and guaranties. [less]Lender RepresentationRepresented an international bank as Agent for the Senior Lenders and Hedging Banks (who collectively hold more than $1.2B in claims) in the Chapter 11 [more]Represented an international bank as Agent for the Senior Lenders and Hedging Banks (who collectively hold more than $1.2B in claims) in the Chapter 11 case of a public-private partnership formed to construct a major Texas toll road, and serving as local bankruptcy counsel for the Steering Committee of which the Bank was the chair. [less]
[more]OverviewMunsch Hardt’s Banking and Financial Services team advises financial institutions and capital providers across a broad range of transactions, regulatory matters, and risk management issues. We represent banks of all asset sizes, private lenders, private equity funds, hedge funds, and other financial market participants, including venture capital firms, institutional lenders, and family offices. We also handle restructurings, foreclosures, bankruptcy matters, and lender liability claims, providing continuity from initial transaction through resolution. Our attorneys bring deep industry experience and market knowledge. We regularly advise on complex lending structures and evolving capital strategies. We work closely with financial institutions and their stakeholders to structure and document lending transactions with a clear view of regulatory requirements, portfolio management, and potential risk scenarios, helping clients efficiently complete the desired transaction while protecting their position over time. Beyond lending transactions, we counsel financial institutions on the operational, corporate, and regulatory issues that arise day-to-day across the banking business. This includes guidance on governance and bank management, contract negotiation, vendor relationships, labor and employment issues and internal policies and procedures, as well as navigating regulatory examinations, enforcement matters, and evolving compliance obligations. Our goal is to provide practical, integrated advice that aligns legal requirements with how institutions actually operate. We represent borrowers and lenders across a range of industries, advising on the full debt capital structure, from credit facilities and secured lending arrangements to recapitalizations and more complex financing strategies. Our team works to structure transactions, anticipate expectations, and resolve issues as they arise, with a focus on execution, cost control, and long-term flexibility. Munsch Hardt provides commercially grounded counsel that reflects how financial institutions operate, not just how transactions are structured. Why We're DifferentLending + Credit Solutions
We advise financial institutions and lenders across the full spectrum of lending activity, from structuring transactions to managing credit exposure.
- Asset-based lending
- Borrowing base lending
- Commercial loan documentation and forms
- Factoring agreements
- Mezzanine lending
- Project finance and infrastructure
- Real estate and construction lending
- Reserve-based lending
- Securitizations and structured finance
Corporate Governance + Transactions
Our corporate team supports financial institutions on structural, strategic, and governance matters.
- Contract negotiation and vendor management
- Corporate governance
- Director training
- Entity management and holding company compliance
- Mergers and acquisitions
Regulatory + Compliance
We guide clients through evolving regulatory requirements, helping them prepare, respond, and maintain compliance across core operations.
- Consumer compliance, including Truth in Lending, Regulation B, CRA, and UDAAP
- Electronic banking and payments, including ACH, wire, and Regulation E
- Enforcement actions and investigations
- Legal lending limits, Regulation O, and affiliated transactions
- Policy development and internal procedures
- Regulatory examinations and response
Risk Management + Operations
We help financial institutions align legal strategy with operational risk management.
- Enterprise risk management policies and risk appetite frameworks
- Insurance procurement and claims management
- Internal and external audit support
- Internal investigations
- Loan and deposit operations support
- OREO asset management
- Succession planning
- Swap agreements
Restructuring + Litigation
We represent financial institutions in complex disputes with a focus on protecting business objectives.
- Bankruptcy and creditor representation
- Fiduciary duty and governance claims
- Lender liability disputes
- Loan workouts and restructurings
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