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
Ohio Bank’s $728 Million Acquisition Expands Consumer Finance Footprint
An Ohio-based bank holding company has announced a $728.1 million all-stock acquisition of a Maryland-based bank holding company, creating a combined institution with approximately $14 billion in assets. The transaction will push the acquirer over the critical $10 billion asset threshold, triggering direct CFPB supervision and additional regulatory requirements.
United States Finance
SM
Sheppard, Mullin, Richter & Hampton LLP
Article
SEC Proposes To Significantly Expand Performance Fee Eligibility
The SEC has proposed sweeping changes to performance fee rules that would allow all regulated funds—including mutual funds and ETFs—to charge performance fees on capital gains and appreciation, while simultaneously expanding access by redefining who qualifies as eligible to pay such fees. The proposal introduces a 20% cap on performance fees, new governance requirements, and enhanced disclosure obligations that could fundamentally reshape how investment advisers structure compensation arrangemen
United States Finance
D
Dechert
Article
Defining ‘Securities’ Under Regulation W: Looking To Federal Securities Laws
When does an instrument issued by an affiliate qualify as a "security" under Regulation W? The Federal Reserve's broad interpretation, guided by federal securities laws and landmark Supreme Court tests, means banks cannot assume traditional classifications apply. Partnership interests, LLC memberships, and structured products may all trigger compliance requirements depending on their characteristics.
United States Finance
DM
Duane Morris LLP
See more

Related Country Guides

PF
Project Finance
BR
Banking Regulation

Capital Adequacy/BASEL

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
Article
FDIC Proposes Regulations To Provide Parity With National Banks
The FDIC and Federal Reserve have issued proposed rules addressing state bank parity, merger procedures, and stablecoin regulation, while the Federal Reserve finalizes stress test changes to enhance transparency and reduce capital volatility. These regulatory developments reshape the landscape for interstate banking operations, merger transactions, and digital asset activities for financial institutions.
United States Finance
GP
Goodwin Procter 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
Ohio Bank’s $728 Million Acquisition Expands Consumer Finance Footprint
An Ohio-based bank holding company has announced a $728.1 million all-stock acquisition of a Maryland-based bank holding company, creating a combined institution with approximately $14 billion in assets. The transaction will push the acquirer over the critical $10 billion asset threshold, triggering direct CFPB supervision and additional regulatory requirements.
United States Finance
SM
Sheppard, Mullin, Richter & Hampton LLP
Article
SEC Proposes To Significantly Expand Performance Fee Eligibility
The SEC has proposed sweeping changes to performance fee rules that would allow all regulated funds—including mutual funds and ETFs—to charge performance fees on capital gains and appreciation, while simultaneously expanding access by redefining who qualifies as eligible to pay such fees. The proposal introduces a 20% cap on performance fees, new governance requirements, and enhanced disclosure obligations that could fundamentally reshape how investment advisers structure compensation arrangemen
United States Finance
D
Dechert
Article
Defining ‘Securities’ Under Regulation W: Looking To Federal Securities Laws
When does an instrument issued by an affiliate qualify as a "security" under Regulation W? The Federal Reserve's broad interpretation, guided by federal securities laws and landmark Supreme Court tests, means banks cannot assume traditional classifications apply. Partnership interests, LLC memberships, and structured products may all trigger compliance requirements depending on their characteristics.
United States Finance
DM
Duane Morris LLP
See more

Latest Videos

See more