About

Our banking and commercial finance attorneys document and negotiate loans, prepare letters of credit, assemble asset-based financing, special-purpose financing and all other facets of commercial finance. We advise on all aspects of lender due diligence, enabling clients to evaluate risks and to balance business, operational and legal needs.  Our work with a multitude of lenders enables us to customize terms and provisions that benefit both the lender and the customer, as well as to build in safeguards that protect the lender's collateral and other interests.

Attorneys in the Steptoe & Johnson banking group provide a wide range of services to banks and commercial lenders, including:

  • Banking Regulatory
  • Commercial Lending
  • Consumer Lending
  • Corporate Governance
  • Deposit Activities/Deposit Insurance
  • Employment Issues
  • M&A and Growth Guidance
  • Securities Reporting
  • Wealth Management

What sets us apart

  • More than 40 attorneys focused on Banking and Commercial Transactions
  • Experience defending banks and financial institutions against claims brought under the Electronic Fund Transfer Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Equal Credit Opportunity Act
  • Top listed firm in West Virginia in Banking and Finance Law and Commercial Litigation by The Best Lawyers in America®
  • Experienced lead counsel in suits brought under the WV Consumer Credit and Protection Act
  • Two formers VPs of regional bank
HOW WE HAVE HELPED
  • Represented a nationally recognized bank in the $60M financing of a student housing development for a major state university
  • Represented a major bank in $700M loan to a publicly traded partnership that manages coal and other natural resource properties nationally
  • Represented numerous banks, including Fortune 500 corporations, in lending transactions and workouts
  • Managed all aspects of commercial real estate development for clients, including structuring public and private financing, resolving land use issues, preparing real estate and financing documentation, and negotiating development and construction agreements
  • Lead counsel to lender in complicated commercial collection matter; lender received significant recovery following summary judgment ruling and post-judgment enforcement action
  • Litigated claims involving payment systems and commercial paper with a focus on issues under Article 3 (Negotiable Instruments), Article 4 (Bank Deposits and Collections), and Article 4A (Funds Transfers) of the Uniform Commercial Code, as well as Federal Regulation CC (Availability of Funds and Collection of Checks)