200 East New England Avenue, Suite 300, Winter Park, Florida 32789

Established and Respected Florida Banking Lawyers

Winter Park firm provides comprehensive advice and litigation support

Lending institutions in the U.S. operate under strict and often ambiguous regulatory regimes. Swann Hadley Stump Dietrich & Spears, P.A. provides reliable guidance for retail, commercial and investment banks, savings and loans companies, and credit unions throughout Florida. For more than 34 years, our attorneys have helped a variety of lenders manage compliance despite the proliferation of new rules and regulations. Our firm provides valuable advice and determined representation on a range of matters related to:

  • Banking regulations
  • Secured transactions
  • Commercial borrowing and lending
  • Consumer protection

No matter the issue, our banking law attorneys have the knowledge and experience to help you.

Banking regulations

As compliance issues take up more and more of a bank’s resources, lenders are relying more heavily on experienced and knowledgeable legal counsel to interpret regulations and assist in drafting and implementing sound policies. Our attorneys work closely with boards and management of financial institutions to help ensure compliance with state and federal law. The scope of our practice encompasses:

  • Regulatory matters
    • Federal Reserve matters
    • Office of the Comptroller matters
    • Federal Deposit Insurance Corporation (FDIC) matters
    • Sarbanes-Oxley violations
    • Antitrust investigations
  • Compliance with state law
    • Affiliate or insider relationships
    • Anti-money laundering
    • Capital adequacy regulations
  • Bank representation
    • Conflicting claims against a joint account
    • Exercise of the right to set-off
    • Collections litigation
    • Allegations of unauthorized use of debit and credit cards
    • Creditors’ rights litigation
    • Creditor liens and loans

Turn to us for advice and guidance on any banking law issue.

Secured transactions

Since securitization was a crucial factor contributing to the housing and banking crises starting in 2008, lenders now face greater scrutiny and higher standards for collateralization. There are also strict new standards for foreclosures. We advise lenders on the legal efficacy of numerous issues related to secured transactions:

  • Securitizations
  • Derivatives
  • Investment securities
  • Letters of credit
  • Audits
  • Loan workouts
  • Foreclosures
  • Bankruptcy reorganization
  • Remedies under the Uniform Commercial Code (UCC)

We provide pertinent advice and precise legal instruments to enhance the security of your bank’s transactions.

Commercial lending and borrowing

Swann Hadley Stump Dietrich & Spears, P.A. negotiates, drafts and reviews loan instruments for lending institutions and commercial borrowers. Through due diligence, we have helped clients reach agreement on sound, mutually-beneficial deals for major industrial, commercial and residential developments. Our attorneys regularly advise commercial and banking clients on the following legal issues:

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit
  • Mergers and acquisitions
  • Purchase and sale agreements
  • Reorganization
  • Organization of holding companies
  • Lines of credit

Lenders and commercial borrowers can trust our knowledge, experience and diligence.

Consumer protection

Lenders that deal directly with consumers must adopt and maintain policies that comply with state and federal regulations, or face liability for damages. Since this is another area where the regulatory landscape is constantly shifting, our firm keeps abreast of changes so our clients can readily adapt. We also provide staunch defense to allegations of improprieties in lending and collections. The consumer lending issues we manage include:

  • Truth in lending
  • Truth in savings
  • Equal credit opportunity
  • Fair lending
  • Electronic funds transfer
  • Fair Credit Reporting Act
  • Information privacy and security
  • Credit card regulations
  • Mortgage loans
  • Credit card debt
  • Internet banking
  • Cash management services
  • Frozen accounts
  • Holds on deposits

Our experience in consumer-protection litigation helps us resolve allegations quickly and cost-effectively.

Contact our banking law firm today

Swann Hadley Stump Dietrich & Spears, P.A. is an established banking law firm conveniently located in Winter Park, serving lending institutions and commercial borrowers throughout Florida. For knowledgeable assistance with a full range of banking matters, call 407-647-2777 or contact us online.


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