Bank and Trust Company Representation

Graydon Head & Ritchey represents numerous regional and local bank holding companies, state and national banks, thrift holding companies, thrifts and other financial institutions. We have counseled and represented groups of investors in the formation of state and national banks and holding companies, in the preparation of organizers and subscription agreements, securities solicitation materials, articles of association and/or incorporation, bylaws and other organizational documentation, and the organization of charters.  Our attorneys have experience in purchases or divestitures of branches and related assets, the development of strategic plans for growth and consolidation.

The regulatory environment facing financial institutions is increasingly complex.  In an effort to assist with these complex regulatory issues, our attorneys provide practical advice on a broad range of issues that include:

• Community Reinvestment Act matters
• Compliance with regulatory capital requirements 
• Issues raised by routine regulatory examinations 
• Management of disputes and compliance with regulators
• Preparation of capital plans and appropriate responses 
• Regulation "O" issues involving loans with directors and officers 
• Truth in lending, truth in saving, and other lending and deposit compliance