Wright & Yonan provides regulatory compliance and
commercial lending advice to state and federally-chartered
banks, thrifts, and other financial institutions. As
former in-house corporate and regulatory counsel to one of
the nation’s largest privately-owned financial
institutions, Wright & Yonan’s banking team knows first
hand the complicated business and legal issues that face
its clients on a daily basis. This kind of in-depth,
real-world experience is invaluable when it comes to
understanding our client’s procedures, risks, and
regulatory concerns.
Regulatory and Supervisory Matters
Wright & Yonan’s banking team has considerable experience
working with federal and state regulatory agencies. Our
banking team leverages this experience when dealing with
federal and state banking regulators on behalf of our
clients. We prepare and file federal and state regulatory
applications, including applications for new charters and
state licenses. We provide day-to-day advice on the full
range of regulatory and supervisory issues central to
financial depository institutions, including the Bank
Secrecy Act and anti-money laundering requirements;
transactions with affiliate issues; data security and
privacy issues; lending limits, permissible investments,
loans to officers and directors, retail lending and
deposit-taking; electronic banking and commerce issues;
federal and state commercial lending issues; and other
regulatory compliance matters. We also analyze policies
and procedures for compliance with applicable federal and
state laws and conduct in-house training seminars.
Finally, we assist companies with implementing the latest
federal and state laws and regulations.
Commercial Lending
Wright & Yonan’s banking team has extensive experience
representing financial institutions in structuring,
negotiating and documenting commercial and real estate
financing transactions, including acquisition and
development financing, construction lending, asset-based
lending, purchase money financing, permanent loans, and
warehouse lending. We have participated in the financing
transactions for high-rise office buildings, master
planned communities, shopping centers, hotels, golf
courses, mixed-use facilities, and aircraft. We also
represent financial institutions in connection with loan
workouts and restructurings, non-judicial deed of trust
sales, foreclosures and deed-in-lieu of foreclosure
transactions.
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