MLG represents domestic and foreign banks as well as other regulated financial institutions in connection with complex lending and factoring transactions including secured and unsecured facilities. We handle the restructuring of loans, foreclosure and collections, lender liability litigation, regulatory matters, and insolvency and bankruptcy matters. We also assist banks and other financial institutions in assessing compliance with federal and state banking laws; rules and regulations governing bank operations; and laws governing bank deposits, remote deposit capture, paper check transactions, Automated Clearing House (ACH) electronic payment processing, credit card processing, usury and consumer finance.
MLG represents financial institutions, non-regulated lenders and retail merchants in navigating the complex maze of federal and state consumer finance laws and regulations including laws relating to usury, regulated consumer loans, payday loans, secondary mortgage loans, home equity loans, retail installment sales financing, manufactured home credit sales and loans, property tax lien transfers and loans, and motor vehicle retail installment financing and floor planning. Our experience includes legal compliance for a wide variety of consumer finance products, registration and licensing of regulated consumer lenders and sellers, and auditing existing transactions for legal compliance. MLG is experienced in representing clients in complex litigation involving Texas usury law and consumer credit compliance, and represents creditors involved in administrative actions brought by the Texas Office of Consumer Credit Commissioner (OCCC).
Financial Institution Litigation
MLG represents financial institutions of all sizes in various forms of disputes. The firm has a broad spectrum of experience ranging from garnishments to usury to mortgage backed securities.
MLG represents leasing companies, banks, finance companies and end users involved in equipment leasing transactions for a wide variety of assets. These transactions include true leases as well as leases intended as security.
Real Estate Lending
MLG offers a range of legal services for lenders and borrowers engaged in real estate lending, construction lending, raw land loans, and oil and gas financing for both corporate and investment purposes including new loans and restructurings of existing loans. Representative transactions include financing for apartments, hotels, retail properties, industrial properties, office buildings, mixed-use properties and special purpose properties. We also advise clients on Texas home equity laws and consumer real estate financing.