Banking & Financial Services

Experience

  • Hospitality Transactions

    Represents a private hospitality lender in connection with bridge loans to hotel owners and operators, including advising on deal structure, preparing and

    [more]
  • Corporate and Regulatory Representation

    Represented regional financial institution in regulatory matters related to mergers and acquisitions, entity management, governance and

    [more]
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Overview

Munsch 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 Different

Lending + 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