Experienced Oklahoma Banking Lawyers Serve Lenders and Borrowers

Oklahoma City firm assists lenders, creditors, consumers and commercial clients

At Williams, Box, Forshee & Bullard, P.C., we handle regulatory, compliance and risk management issues for our lender, creditor, consumer and commercial clients. Our Oklahoma attorneys draw on 26 years of experience to deal with changing legal standards and help our clients throughout Oklahoma comply with rules and regulations. We offer litigation and advisory services across a broad range of legal issues, including:

  • Banking regulations
  • Secured transactions
  • Commercial borrowing and lending
  • Consumer protection

No matter the issue, our banking law attorneys have the knowledge and experience to help you.

Oklahoma attorneys with comprehensive knowledge of banking regulations

The Federal Reserve regulates banks, managing the nation’s money supply through monetary policies that stabilize inflation or deflation, moderate long term interest rates, or maximize employment opportunities. Lenders and borrowers watch opportunities rise and fall in relation to these systemic pressures. Our attorneys work closely with financial institutions to implement policies in compliance with state and federal laws. The scope of our practice encompasses:

  • Regulatory matters
    • Federal Reserve matters
    • Office of the Comptroller matters
    • Federal Deposit Insurance Corporation (FDIC) matters
    • Sarbanes-Oxley violations
    • Antitrust investigations
  • Compliance with state law
    • Affiliate or insider relationships
    • Anti-money laundering
    • Capital adequacy regulations
  • Bank representation
    • Conflicting claims against a joint account
    • Exercise of the right to set-off
    • Collections litigation
    • Allegations of unauthorized use of debit and credit cards
    • Creditors’ rights litigation
    • Creditor liens and loans

Turn to us for advice and guidance on any banking law issue.

Reliable guidance for secured transactions

Lenders may secure loans made to borrowers by requiring down payments or other collateral. In the event of default, the borrower cedes the right to collateral used to secure the loan. There are limits to what types of collateral may be used to secure a loan. We can advise you about any of the following legal issues:

  • Securitizations
  • Derivatives
  • Investment securities
  • Letters of credit
  • Audits
  • Loan workouts
  • Bankruptcy reorganization
  • Remedies under the Uniform Commercial Code (UCC)

We understand issues relating to secured transactions.

Due diligence for commercial lending and borrowing

Securing financing for business development or expansion can be difficult. Credit checks and due diligence may reveal risks or liabilities that could raise interest rates on the loan or otherwise impact the eligibility of your business for financing. We regularly advise clients about the following legal issues:

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit
  • Mergers and acquisitions
  • Purchase and sale agreements
  • Reorganization
  • Organization of holding companies
  • Lines of credit

We guide business owners through all commercial banking matters.

Staunch advocates for consumer protection

Since the mortgage bubble burst, many homeowners now owe more on their homes than those homes are worth. Many people face rising debts that exceeded their current budgets. Others are shocked to discover they have been defrauded through bad checks, creditor liens and other financially devastating transactions. Our attorneys know the law and can help you protect your personal assets. We handle consumer-protection litigation as it relates to:

  • 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 overdraft
  • Line-of-credit accounts
  • Mortgage loans
  • Deposit accounts
  • Credit card debt
  • Internet banking
  • Bill payment
  • Cash management services
  • Frozen accounts
  • Holds on deposits

Our attorneys can help you protect your personal assets.

Contact us to speak to an experienced banking law attorney today

If you need assistance with a banking matter, Williams, Box, Forshee & Bullard, P.C. can help you with all of the necessary details. Call us today at (405) 232-0080 or contact us online to speak with an experienced attorney. From our Oklahoma City office, we represent clients throughout Oklahoma.