Represented a lender in connection with a syndicated construction/mini-perm loan for the construction of residential units in a mixed-use lifestyle project.
Banking & Financial Services
We partner with financial services companies nationwide to develop legal, regulatory and compliance strategies.
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From local credit unions and community banks to international conglomerates, financial service providers rely on our deep understanding of their markets, business issues, liabilities, risks and opportunities. We help them make proactive and informed decisions that position them for long-term success. Our cost-effective approach to providing legal services and our track record of success make us a valuable partner to any organization in this highly-regulated industry.
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With in-depth knowledge of state and federal financial services law, our attorneys offer guidance in development of compliance protocols, auditing policies and procedures, regulatory examinations, due diligence training and advertising and sales practice.
We defend financial institutions of all sizes in a variety of litigation proceedings, including consumer finance litigation, CFPB and other regulatory enforcement actions, bankruptcy proceedings, residential contested foreclosures, class actions and litigation management across multiple jurisdictions. Our clients look to us for strategic and focused counsel when facing federal and state statutory causes of action, as well as common law claims.
Well-versed in the complex documentation and administration of real estate transactions, our team is skilled in handling a variety of loan types and capital financings. We represent lenders of all sizes in connection with construction and permanent loans, state and federal historic tax credit projects, and a variety of general commercial real estate financing transactions.
We maintain a sophisticated, high-volume commercial lending practice. Our attorneys focus on the representation of financial institutions and other lenders in commercial lending and structured finance transactions, including asset-based credit facilities, second lien and mezzanine facilities, loan syndications, tax credit bridge financing, real estate secured facilities and more.
Often representing creditors of troubled businesses, we use a multidisciplinary approach to solve clients’ problems both quickly and cost-effectively. We regularly represent lenders in all sorts of debt restructures and workouts. Our team uses refined negotiation skills and vast transactional knowledge to design customized solutions that address the unique goals of each client.
We connect banks, lenders and financial services companies to the legislative, administrative and regulatory opportunities that support their goals. Our attorneys use firsthand knowledge of complex election, ethics, lobbying and contracting law to build productive relationships with officials and advocate on behalf of clients’ public policy interests.
Represented a lender in connection with a syndicated construction loan for a large office/residential project including a bridge loan addressing timing issues with public financing.
Represented a lender in connection with the refinancing of a collateral pool of 55 one- to four-unit single-family residential investment properties in close proximity to The Ohio State University campus.
Represented a lender in connection with financing for the first office/retail building in a large multi-phase project with significant public/private partnerships involved.
Represented a lender in providing debt capital for the construction completion and lease-up of an office and apartment project.
Represented a borrower in the refinance of a permanent loan.
Represented a lender in connection with the residential component of a historic rehabilitation project.
Represented a lender in connection with financing for the first office/retail building in a large multi-phase project with significant public/private partnerships involved.
Represented a national bank serving as the project construction lender on a 330,000-square-foot built-to-suit office complex.
Represented a lender in a secured real estate mortgage construction loan for a speculative office/residential project.
Represented a national bank in connection with a syndicated construction loan and a bridge loan for a mixed-use development.
Represented a lender in connection with $29 million construction financing of 132 apartments plus 6,587 square feet of retail and office space, including 253 parking spaces with structured parking in the new building. The debt transaction was syndicated and included mezzanine financing and a ground lease.
Represented a lender in connection with a $51 million loan involving a credit facility for the acquisition of a pool of retail properties located in Ohio and Indiana.
Represented a lender in connection with a $40 million secured revolving line of credit together with a $10 million accordion feature (non-committed) for a real estate investment company.
Successful defense of “matched-pair” based claims, defending lenders in response to alleged violations of the Equal Credit Opportunity Act and Fair Housing Act and facially inequitable credit data.
Represented clients in formal CFPB and FTC investigations and the prevention of related enforcement actions.
Defense of state regulatory enforcement actions and inquiries in various jurisdictions throughout the U.S.
Created and developed intensive cybersecurity risk mitigation programs for financial institutions to prevent and reduce the growing risks associated with business engagement in the digital age.
Defense of civil litigations related to complex issues associated with lending and loan servicing, including successful resolution of claims involving loan repurchase/indemnification, the Telephone Consumer Protection Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Developed tailored compliance management systems for financial services companies of all sizes.
Educated local and state government officials regarding the property rights of pawnbrokers in pawned items.
Represented a major national lender in connection with self-disclosure of non-compliance with certain regulatory issues. The engagement included meeting and working with state and federal regulators, state-wide vacature of more than 25,000 lawsuits, appearances in virtually every court within the State of Ohio and coordination of refunds of state-court judgments.
Represented a permanent lender in connection with senior term loan and tax credit bridge loan financing for several solar facilities located in North Carolina.
Defense of civil litigations related to complex issues associated with lending and loan servicing, including successful resolution of claims involving loan repurchase/indemnification, the Telephone Consumer Protection Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
For financial services companies of all sizes, developed tailored compliance management systems engineered to merge best practices with practical budget and operational realities.
Defended a lender against allegations that a mortgage loan originator discriminated against potential borrowers based on race and national origin.
Secured dismissal of claims under the Fair Debt Collection Practices Act against a mortgage lender in federal court.
Educated local and state government officials regarding the property rights of pawnbrokers in pawned items.
Defended a mortgage banker against allegations of multiple violations arising from a state examination.
Successfully represented several national broker-dealers and their associated persons in over 60 arbitration actions brought before the Financial Institution Regulatory Authority (FINRA) as well as in securities fraud claims brought in federal court in over 15 states.
Led the restructuring of numerous personal property secured transactions as counsel for both senior and mezzanine lenders.
Served as Ohio counsel for a loan servicer, handling the broad spectrum of complex federal, state and common law issues that arose in the context of consumer financing and residential mortgage lending.
Served as receiver's counsel on all issues related to property management, leasing and sale and assisted in the successful resolution of receivership cases across the state.
Represented the lender, a regional bank, in connection with a construction loan for a low-income housing tax credit rehabilitation project. Because the project involved a historic building financing from state and federal historic tax credits was utilized, among multiple other financing sources.
Served as lender’s co-counsel in the negotiation and documentation of a variety of solar farm development and financing projects.
Represented multiple banks in connection with over 100 construction and permanent loans for low-income housing tax credit projects utilizing the USDA Rural Development 538 Loan Guaranty Program.
Represented a national platform bank in connection with an equity bridge loan for an approximately $115,000,000 low-income housing tax credit rehabilitation project in Massachusetts involving MHFA Bond financing and Fannie Mae financing
Served as lead counsel to a secured lender on a federal court receivership case involving a broad range of issues across multiple states.
Represented a national platform bank in connection with construction loans totaling $15,000,000 for two phases of a Section 8, low-income housing tax credit, revitalization project in New Jersey involving a ground-lease structure and County Bond proceeds, HOME Loan proceeds, FHLB Loan proceeds and HUD Replacement Housing Factor Funds.
Represented the trust department of a national financial institution in all aspects of the sale and leasing of office and retail real estate and the reinvestment pursuant to deferred like-kind exchanges.
Represented a super regional bank in connection with a $37,000,000 line of credit/refinance transaction for a multi-state shopping center portfolio involving a co-obligor arrangement with a Canadian parent entity.
Represented a national platform bank in connection with a direct purchase bond transaction in Ohio. The project involved multiple layers of financing for the renovation of a historic building to be converted into a low-income housing tax credit project.
Represented a national platform bank in connection with the construction and permanent financing for a scattered site low-income housing tax credit project located in Ohio.
Represent a national platform bank in connection with a $50,000,000 line of credit facility secured by over 2,000 acres of real estate collateral.
Represented a regional bank in connection with a construction loan for a low-income housing tax credit project located in Georgia on a ground-leased site. The project also involved HUD financing, Tax Credit Assistance Program financing and Tax Credit Exchange financing.
As lender's lead counsel, negotiated and documented numerous asset-based financings, including an asset-based financing transaction in excess of $500 million.
Served as lead counsel for the borrower in connection with a $100 million series of financings to develop a consumer products manufacturing facility.
Successfully defended a bank president in a $28 million lawsuit following a four-week jury trial.
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Bricker & Eckler's banking and finance team have been invaluable in structuring, negotiating and administering senior lending transactions. They protect the interests of our bank, while representing us well in the eyes of our customers.
Bricker client as quoted in Best Lawyers, 2018Bricker & Eckler maintains a timely and efficient working relationship and is well versed in our needs and expectations.
Bricker client as quoted in Chambers, 2017