Banking
Martin & Drought, P.C. has a long history of representing banks and other financial institutions located in San Antonio and South Texas on a broad spectrum of banking and lending issues. We have extensive experience in the legal aspects of virtually every phase of the banking business. If we can assist you on a banking matter, please contact us.
Focus Areas:
Lending
The firm's banking attorneys handle a wide array of financing transactions for our lender clients, from preparation of loan documentation through closing and funding. The following are representative of the types of lending transactions we can assist you with:
Regulatory Matters
Our banking attorneys consult with the firm's financial institution client's on a wide array of federal and state regulatory issues, many of which are unique to the banking industry. The types of regulatory matters that we provide assistance on include the following:
Work-Outs and Foreclosures
We are often called on to assist our financial institution clients when difficulties arise in a lending relationship with a customer. Matters that we routinely handle along these lines include the following:
- Real estate mortgage loans
- Asset-based financing arrangements
- Construction and land development loans
- Interim and permanent loans
- Aircraft and marine financing
- Acquisition financing
- Letter of credit transactions
- Oil and gas industry lending
- Equipment financing
- Requests for customer records and privacy laws compliance
- Predatory lending and loan flipping
- Bank Secrecy Act and anti-money laundering laws
- USA PATRIOT Act mandates
- Bank products and marketing
- Equal Credit Opportunity Act compliance
- Community Reinvestment Act compliance
- Troubled-debt restructuring and work-outs
- Commercial real property foreclosures involving projects of any size and complexity
- Residential real property foreclosures, including home equity loans
- Personal property (UCC) repossessions and foreclosures
- Arrangements in lieu of foreclosure for both real and personal property


