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Banking & Financial Services

Bowles Rice's Banking and Financial Services Practice Group includes multiple lawyers and other professionals who focus their practices on issues affecting the financial services industry.

Areas of our Banking and Financial Services Practice Group include:

Bowles Rice represents more than 70 banks and bank holding companies and is proud to represent both the West Virginia Bankers Association and Community Bankers of West Virginia.

In the firm’s capacity representing both associations, Bowles Rice has filed numerous amicus briefs with the Supreme Court of Appeals of West Virginia, which address a broad range of issues fundamental to the financial services industry, including:

  • Fluharty v. Quicken Loans Inc. (applicable standard for proving unconscionability per the WVCCPA)
  • McFarland v. Wells Fargo Bank and U.S. Bank National Association  (applicable standard for proving unconscionability per the WVCCPA)
  • Tribeca Lending Corporation v. McCormick (applicable statute of limitations in foreclosure)
  • Lusk v. First Century Bank (application of caveat emptor in foreclosures)
  • Nationwide Mutual Insurance Company v. Frank S. Martino (disclosure of non-public personal information under state and federal privacy statutes)
  • State of W. Virginia v. Combs Services, et al. and Mountain Valley Bank, N.A. (priority of secured creditor lien over statutory lien created by preneed burial contact statute)
  • Copier Word Processing Supply, Inc. v. WesBanco Bank, Inc., et al. (applicable statute of limitations in case involving conversion of checks by employee)
  • Martino v. Barnett, et al. (disclosure of non-public personal information under state and federal privacy statutes)
  • The Citizens Bank of Weston, Inc., et al. v. The City of Weston (proper application of municipal B&O tax)
  • McMahon v. Advanced Title Services Company of West Virginia, et al. (unauthorized practice of law)
  • Lucas, et al. v. Fairbanks Capital Corp., et al. (scope of duties of trustees and loan servicers in foreclosure)

Regulatory and Compliance
Our attorneys provide regulatory advice and representation to local and regional institutions in connection with matters before state and federal regulatory agencies. We routinely represent banks, bank holding companies, insurance companies, securities firms and other financial institutions regarding a wide range of compliance issues. Our fluency in bank regulatory matters enables us to provide effective representation to investors and operators in virtually all matters, ranging from seeking new bank charters to expanding their operations, either by acquisition or by establishing new institutions, branches or product lines. We work routinely with OCC, Federal Reserve, the FDIC and analogous state regulatory agencies.

Mergers and Acquisitions
Bowles Rice attorneys have substantial depth in the merger and acquisition of regulated financial institutions. Our team has assisted parties in the acquisition or sale of financial institutions and the purchase of assets from banks and the FDIC. Our experience includes successful applications with all federal banking regulators, SEC, FINRA, as well as the insurance departments and securities commissions of multiple states.

Other Services
In addition to our areas of experience that are specific to banks and bank holding companies, our firm supplies a full range of services applicable to all types of corporate entities. These include services in the area of employee relations, pension and benefits planning, taxation, estate planning, environmental law and commercial litigation. Our firm is in a unique position to serve the general corporate needs of banks and bank holding companies in each of these other areas.

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