Banking Law Firm

Bank regulations are in place to reduce the level of risk bank creditors are exposed to, to reduce the risk of disruption resulting from adverse trading conditions, to reduce the risk of banks being used for criminal purposes, to protect banking confidentiality and do direct credit to favored sector or borrowers. Banking regulations vary across nations and jurisdictions and in America is governed at both federal and state levels. Banking regulations include minimum requirements such as minimum capital ratios, supervisory reviews that include provision of banking licenses and market discipline that requires banks to publicly disclose financial and other information. There are two major requirements of bank regulations: capital requirement which sets a framework on how banks must handle their capital in relation to their assets and reserve requirement which sets the minimum reserves each bank must hold to demand deposits and banknotes. A banking law firm assists banks and other financial institutions to conform to these regulations and in any other legal issues associated with banking transactions.

Horgan, Rosen, Beckham and Coren, L.L.P. is a banking law firm that was founded in 1989 based on long standing relationships among the partners. It is a small banking law firm that prides itself on its continuing stance to treat each client as important, maintaining lines of communication so that a number of lawyers are aware of any major issue facing a client and handling each relationship as a "team" so that each client communicates at a personal, one-on-one level with a lawyer that he/she is comfortable with. The firm is built around a solid core of financial institution clients, many of whom have been represented by the banking law firm for over 20 years. Lawyers in the banking law firm have exceptional educational and professional credentials, are reputable within the legal community and are one hundred percent committed to excellence. Some of the firm's areas of interest are: corporate and corporate securities, business counseling, secured transactions, insolvency and creditor's right, leasing and real estate, commercial/business litigation, labor and wrongful termination, administrative hearings, bank regulatory, bank consumer compliance and bank operations.

As a banking law firm, Horgan, Rosen, Beckham and Coren, L.L.P., is committed to providing incomparable legal representation at a reasonable cost and successfully achieves this by being results oriented, approaching legal issues from a business perspective, using client's best interests as a guide, seeking to achieve client's objectives most expeditiously and avoiding legal quagmires that are costly and frustrating. The firm specializes in a wide variety of matters that concern both state and national banks. It is involved in new bank formation, debt and equity offerings, holding company formation and representation, mergers, acquisitions and regulatory matters. It is a banking law firm that is adept at handling security issues such as security reporting, security filings with federal and state regulatory agencies and the preparation of proxy materials and matters related to the handling of shareholder meetings. This includes proxy contests and contests for corporate control.

Horgan, Rosen, Beckham and Coren, L.L.P. also handles operation matters, loan documentation issues, consumer compliance, problem loan work-outs and restructuring and employee relation matters such as stock option plans, employee termination and much more. For effective and efficient legal representation, this banking law firm tops the rest so visit www.horganrosen.com today and place your bank's legal matters in safe hands.