Bank Regulation and Commercial Lending

Understanding the various forms and laws attributable to bank financing can be time consuming. Bank financing can take several forms, including commercial loans, repurchase agreements, and securities borrowing transactions, all of which are subject to regulation at the federal and state levels. This practice note will help you gain an overview of the regulations and other supervisory policies that restrict and influence commercial lending by banks.

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  Explore licensing, branching laws, intrastate and interstate regulations, trade name restrictions, and other requirements applicable to institutions operating in the United States. Practitioners will be informed on laws and regulations of each federal bank regulatory authority.

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  Get a comprehensive overview of the de novo application process to charter a new insured depository institution including preparation, filing, and agency review of the charter application.

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Practical Guidance Updates

Featuring the latest updates from your Practical Guidance account.                    

• Depository Institution Organization and Formation State Law Survey is a valuable resource, providing relevant state laws and regulations on licensing, ownership, and supervising agency for each of the 50 states.
• Ukraine Conflict Resource Kit is now available. This tool provides up to date resources to aid financial services institutions navigate through the myriad Russian sanctions associated with this conflict.
• The Practical Guidance Journal Spring 2022 Edition features guidance for employers on COVID-19 vaccination, testing, and employee health data protection; climate change disclosure market trends; and updates related to the Secured Overnight Financing Rate (SOFR).
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