North America: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
FINRA Seeks To Modernize Rule 2210 – Communications With The Public
The Financial Industry Regulatory Authority (FINRA) has proposed sweeping changes to Rule 2210 that would eliminate the long-standing requirement for principal pre-use approval of retail communications, replacing it with a flexible risk-based supervisory framework. The proposal addresses modern communication challenges including social media, AI-generated content, and influencer marketing while attempting to align broker-dealer standards more closely with SEC investment adviser rules. Member firms would nee
United States Finance
HK
Holland & Knight
Article
One Step Closer To Harmonization: CIRO's Proposed Incorporated Approved Person Compensation Model
The Canadian Investment Regulatory Organization (CIRO) has published rule amendments to harmonize advisor compensation (the Amendments). Following CIRO’s 2024 position paper that consulted on three potential regulatory approaches to allow payment of advisor compensation to advisor-owned corporations for all CIRO-regulated dealer members (Dealers), the Amendments propose to adopt the Incorporated Approved Person compensation option.
Canada Finance
BL
Borden Ladner Gervais LLP
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Related Country Guides

PF
Project Finance
BR
Banking Regulation
AI
Alternative Investment Funds
AR
Asset Recovery
SL
Secured Lending

Asset Finance

Article
Now Open: British Columbia’s $1 Billion First Nations Equity Financing Program
British Columbia's First Nations Equity Financing Program is now accepting applications, offering up to $1 billion in loan guarantees to support First Nations acquiring equity ownership in revenue-generating projects within their traditional territories. The Program aims to position First Nations as equity partners in economic development while reducing borrowing costs and unlocking access to capital for major infrastructure and resource projects.
Canada Finance
ML
McMillan LLP
Article
What To Do With All That Money? Why The Sale Of An LDC May Concern Your Municipal CAO
Ontario's local distribution company sector faces unprecedented consolidation pressure driven by $30 billion in capital requirements for grid modernization. Municipal governments selling utility assets must navigate the "windfall trap"—political pressure to spend proceeds on short-term projects rather than preserving long-term value. Strategic deployment of sale proceeds into independent endowment funds offers municipalities a path to convert depreciating infrastructure into perpetual revenue streams
Canada Finance
GW
Gowling WLG
Article
Saskatchewan Is Tightening The Fence Around Farmland Ownership: Will Your Financing Structure Cost You?
Saskatchewan's recent amendments to The Saskatchewan Farm Security Regulations introduce significant changes affecting agricultural lending and farmland ownership, including the elimination of the CPPIB exemption and clarified administrative penalties. These regulatory shifts require lenders and borrowers to reassess their compliance strategies, due diligence processes, and ownership structures to navigate the evolving framework governing farmland transactions in the province.
Canada Finance
MT
Miller Thomson LLP
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Listing Rules & Flotation

Article
SEC Delivers On Promise Of Reforms
The Securities and Exchange Commission has proposed sweeping reforms to reduce regulatory burdens on U.S. public companies, including eliminating quarterly reporting requirements and raising thresholds for accelerated filer status. While these changes promise to streamline capital markets access for domestic issuers, foreign private issuers—including Canadian companies under the MJDS—remain excluded from these accommodations as the SEC continues its broader evaluation of international reporting
United States Finance
TL
Torys LLP
Article
Represented BOXABL In USD3.5B Business Combination With FG Merger II Corp.
Winston Taylor LLP announces its role in advising BOXABL on a USD3.5 billion business combination with FG Merger II Corp, a transaction designed to provide the modular housing innovator with enhanced access to public capital markets. The deal aims to support BOXABL's expansion of its factory-built housing platform, scale manufacturing capabilities, and accelerate research and development efforts.
United States Commercial
WT
Winston Taylor
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Charges, Mortgages, Indemnities

Article
Guide To Loans & Secured Financing In The Cayman Islands 2026
The Cayman Islands offers a flexible legal framework for international bank lending and finance transactions, serving as a preferred jurisdiction for private equity funds, hedge funds, and structured finance. This guide examines how Cayman Islands law impacts cross-border lending structures, from security arrangements and regulatory requirements to enforcement mechanisms and recent legislative developments affecting beneficial ownership and economic substance.
Cayman Islands Finance
A
Appleby
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Capital Adequacy/BASEL

Article
Rise Of The Cayman Islands SPVs In Credit Risk Transfer Transactions
Bank credit risk transfer transactions are gaining traction in the U.S. market as a strategic tool for regulatory capital optimization. This article explores how synthetic CRT structures using credit default swaps and credit-linked notes enable banks to transfer credit risk while retaining assets on their balance sheets. Discover the mechanics, benefits, and key considerations for both banks and investors in these increasingly popular transactions.
Cayman Islands Finance
W
Walkers
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Latest Videos

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