Banking & Finance Law
Strategic counsel for banks, lenders, fintechs, and the investors backing them — across the regulatory frameworks, transactional structures, and consumer-finance regimes that govern modern financial services.
Finance Is Never
Just the Deal
Success in financial services depends on staying compliant with regulations that move faster than the institutions they govern — and securing terms that hold up when the next examiner, counterparty, or class action arrives. Our role is to give you counsel calibrated to both: the deal in front of you and the regulatory weather that shapes how it gets done.
Whether the matter is a bank merger, a syndicated lending facility, a consumer-finance program, or a CFPB inquiry, we treat the regulatory and commercial dimensions as one problem — because at the institutions we serve, they always are.
What Distinguishes
Our Finance Practice
Three principles guide how we serve financial institutions — and how we measure whether we've actually served you well.
Regulator Fluency
We know how the agencies that matter — FDIC, OCC, Federal Reserve, CFPB, state regulators — actually examine, supervise, and approve. That fluency shapes our advice from term-sheet stage onward, not after a comment letter lands on the desk.
Transaction Discipline
Deals close because the documents work and the approvals land — in that order. We structure transactions to clear regulatory review on the first pass and to hold up to the kind of scrutiny that arrives years after the wire transfer does.
Risk-Weighted Counsel
A community bank and a fintech upstart face different risks even when they sit at the same table. We size our counsel to the institution and the matter — not to a one-size template — because that's the only way risk advice is actually useful.
Capabilities Across
Financial Services
From M&A and commercial lending through consumer finance and fintech compliance — counsel built around how regulated institutions actually do business.
Bank Mergers & Acquisitions
Legal support across the full M&A arc in the banking sector — diligence, regulatory approvals, and deal structures designed for long-term growth and clean integration on the other side of closing.
Commercial Lending
Structuring, negotiating, and documenting lending transactions for both institutions and borrowers — asset-based lending, real estate loans, syndicated facilities, and workouts when terms need to be renegotiated.
Compliance & Regulation
Federal and state regulatory counsel covering FDIC, OCC, Federal Reserve, AML/BSA programs, consumer protection laws, and the compliance audits that prepare institutions for the next examination cycle.
Consumer Finance Law
Counsel on TILA, FCRA, CFPB rulemaking, UDAAP exposure, and the consumer-facing programs and disclosures that determine whether your retail finance business holds up to regulator and class-action scrutiny.
Fintech & Payments
Bank-fintech partnership structures, money transmission and payment-network compliance, sponsor-bank programs, and the licensing and risk frameworks that keep digital financial products on the right side of the law.
Capital Markets & Securities
Counsel for institutions raising capital or accessing the public markets — registered offerings, private placements, ongoing securities-law compliance, and the disclosure programs that build durable investor trust.
Ready to Solve
Your Legal Challenge?
Whether you're scaling a startup, protecting a legacy, or facing a high-stakes dispute, Omnus Law is engineered to deliver. Reach out and let's architect a solution together.