United States: Finance and Banking

Subscribe
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
California Enacts Commercial Financing Licensing Requirement
California's Assembly Bill 2116 establishes a comprehensive licensing and supervisory framework for commercial financing providers and brokers, significantly expanding the California Department of Financial Protection and Innovation's oversight of the small-business financing market. The law requires many commercial financing providers and brokers involved in transactions of $500,000 or less to obtain a license, comply with new reporting and recordkeeping obligations, and adhere to enhanced business conduct
United States Finance
HK
Holland & Knight
Article
SEC Proposes Modernization Of Transfer Agent Rules, With Significant Implications For Tokenized Securities
The SEC has proposed a comprehensive modernization of transfer agent rules that would explicitly permit blockchain technology to serve as the official ownership record for securities. The proposal introduces new requirements for tokenized securities reporting, record-keeping controls, and securityholder identification while addressing how distributed ledger technology can integrate with traditional securities infrastructure.
United States Finance
SA
Skadden, Arps, Slate, Meagher & Flom (UK) LLP
Article
SEC Proposes Interval Fund Updates, Extension Of Multi-Class Relief For Closed-End Funds And BDCs
The U.S. Securities and Exchange Commission has proposed significant amendments to modernize interval fund operations and extend multiple share class eligibility to non-traded closed-end funds and business development companies. These changes would eliminate longstanding regulatory barriers by allowing interval funds to defer initial repurchase offers for up to two years, introducing monthly repurchase options, and replacing rigid liquidity requirements with principles-based approaches, while also removing
United States Finance
D
Dechert
See more

Related Country Guides

PF
Project Finance
BR
Banking Regulation

Capital Adequacy/BASEL

Article
State Financial Regulators Release AI Supervisory Framework
The Conference of State Bank Supervisors has released a comprehensive AI Supervisory Framework designed to guide state examiners in assessing artificial intelligence use at financial institutions. This framework provides a detailed roadmap covering governance, risk management, and examination procedures, with particular emphasis on generative and agentic AI applications. Financial institutions should consider using this framework proactively to evaluate their AI readiness and prepare for regulatory examinat
United States Finance
S
Steptoe LLP
Article
Pledging Collateral For Affiliate Borrowings: A “Guarantee” In Disguise Under Reg W?
When a bank pledges its own collateral to secure an affiliate's borrowing from a third-party lender, does this arrangement constitute a guarantee under Regulation W? The Federal Reserve's interpretation treats such pledges as covered transactions, with specific measurement rules that reflect the bank's actual exposure. Understanding how to properly classify and measure these arrangements is essential for compliance with quantitative limits.
United States Finance
DM
Duane Morris LLP
See more

Debt Capital Markets

Article
The Financing Problem Behind the AI Infrastructure Boom: What Lenders and Sponsors Need to Watch
As AI infrastructure spending surges toward $697 billion in 2026, hyperscalers and compute providers are increasingly turning to debt, structured financing, and GPU-backed collateral to fund expansion. While demand projections remain bullish, a critical timing gap is emerging between capital deployment and cash flow generation, creating significant risks for lenders, sponsors, and operators across the ecosystem.
United States Finance
R
Riveron
See more

Charges, Mortgages, Indemnities

Article
I’m Still Standing...yeah, Yeah, Yeah: New York Reaffirms Limits On Mortgage Acceleration
A New York court examines whether a mortgage foreclosure action dismissed for lack of standing validly accelerated the loan debt, determining the application of statute of limitations rules when the original plaintiff lacked authority to bring suit. The decision addresses competing interpretations of CPLR §213(4)(b) and establishes precedent for when lenders may claim a mortgage was not validly accelerated.
United States Real Estate
HL
Hogan Lovells Cadwalader
Article
Should’ve Been A School House Rock Song (IYKYK): Procrastination Nation
A federal court in New York denied a defendant's emergency motion to halt a foreclosure auction just hours before the scheduled sale, rejecting arguments that the underlying mortgage was unconscionable and finding no basis to vacate an earlier summary judgment. The ruling underscores the narrow scope of post-judgment relief and the high bar for obtaining last-minute injunctive relief in mortgage foreclosure cases.
United States Real Estate
HL
Hogan Lovells Cadwalader
See more

Financial Services

Article
California Enacts Commercial Financing Licensing Requirement
California's Assembly Bill 2116 establishes a comprehensive licensing and supervisory framework for commercial financing providers and brokers, significantly expanding the California Department of Financial Protection and Innovation's oversight of the small-business financing market. The law requires many commercial financing providers and brokers involved in transactions of $500,000 or less to obtain a license, comply with new reporting and recordkeeping obligations, and adhere to enhanced business conduct
United States Finance
HK
Holland & Knight
Article
SEC Proposes Interval Fund Updates, Extension Of Multi-Class Relief For Closed-End Funds And BDCs
The U.S. Securities and Exchange Commission has proposed significant amendments to modernize interval fund operations and extend multiple share class eligibility to non-traded closed-end funds and business development companies. These changes would eliminate longstanding regulatory barriers by allowing interval funds to defer initial repurchase offers for up to two years, introducing monthly repurchase options, and replacing rigid liquidity requirements with principles-based approaches, while also removing
United States Finance
D
Dechert
See more

Latest Videos

See more