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Montana Banking Lawyers

Bozeman-based attorneys assisting lenders, creditors and commercial clients

Planalp, Reida, Roots & Riley, P.C. handles regulatory, compliance and risk management issues for our lender, creditor, consumer and commercial clients. Our attorneys have more than 80 years' combined experience in dealing with changing legal standards and helping our clients comply with rules and regulations.

We offer litigation and advisory services across a broad range of legal issues, including but not limited to:

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

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. We at Planalp, Reida, Roots & Riley, P.C. work closely with financial institutions to implement policies in compliance with state and federal laws.

The scope of our banking regulations practice encompasses:

  • Federal Reserve matters
  • Office of the Comptroller matters
  • Federal Deposit Insurance Corporation (FDIC) matters
  • Sarbanes-Oxley violations
  • Antitrust investigations
State law compliance
  • Affiliate or insider relationships
  • Anti-money laundering
  • Capital adequacy regulations
Bank representation
  • 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

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. Planalp, Reida, Roots & Riley, P.C. 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)

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 on 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

Contact an experienced banking law firm

If your firm needs legal assistance with a banking matter, we can help. Call 406.586.4351 or contact us online to arrange a free consultation.

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