Banking & Finance Law
Full-service counsel for banks and credit unions.
Sections
overview
focus areas
depth of practice
team
insights
industries served
representative matters
testimonials
contact us
overview
focus areas
depth of practice
team
insights
industries served
representative matters
testimonials
contact us
Overview
Rupp Pfalzgraf’s Banking & Finance Law attorneys represent financial institutions across New York State. Our clients include community, regional, national, and international banks and credit unions, large and small. We handle all of our financial institution clients’ legal needs, including commercial lending, regulatory compliance, policies and procedures, operational support, workouts, collections, foreclosures, liquidations, and bankruptcies. Our attorneys bring a strategic approach designed to protect our clients’ interests, reputation, and bottom line.
Our Banking & Finance Law attorneys stay ahead of ever-changing banking laws, rules, and regulations so that our clients can make confident and informed decisions across every aspect of their operations. Our attorneys also have their finger on the pulse of the industry in order to stay abreast of our clients’ everyday needs. Our attorneys are active participants in industry organizations such as the Turnaround Management Association (TMA), the Risk Management Association (RMA), and the New York Credit Union Association (NYCUA).
From the closing table to the boardroom to the courtroom, our attorneys provide strategic and customized legal, regulatory, and business advice to our financial institution clients.
We Answer Your Banking & Finance Questions
- What loan documents are needed for particular transactions?
- What policies and procedures should we have in place to mitigate risk?
- How do we stay compliant in a dynamic regulatory environment?
- What options do we have when a borrower defaults?
- What is the best strategy for enforcing loan terms?
- What legal tools exist to collect unpaid debt?
- What should we do if a borrower files for bankruptcy?
Focus Areas
Lending
Our team has deep experience representing clients at the closing table in commercial lending transactions. Our attorneys provide counsel for the proper structure of a deal and strive to ensure that loan documentation is carefully prepared and reviewed. Our goal is to guide the lender and the borrower through a smooth and efficient closing process.
Regulatory Compliance and Operational Support
Banking regulations are constantly evolving. Our attorneys help financial institutions stay compliant by drafting, reviewing, and updating policies and procedures. Our attorneys also provide ongoing guidance to support sound operations. Among our many services, our attorneys review vendor contracts, offer guidance on account restraints and seizures, and help resolve real-time customer issues through our dedicated “help line.”
Collections
Collecting debts can be a challenge, but the right legal strategy can turn a defaulted loan or unpaid judgment into a meaningful recovery. Our attorneys pursue outstanding debts through every available legal avenue. Let our team attempt to recover the money that is rightfully yours.
Mortgage Foreclosures
When a mortgage goes past due, strict legal rules and timelines apply. Our attorneys guide lenders through commercial and residential foreclosures, from the first missed payment to the courthouse sale. Our attorneys ensure full legal compliance every step of the way.
Repossessions and Liquidations
Collateral can serve as important security for the repayment of a loan. When collateral needs to be repossessed and liquidated, call on our team to guide you through the process. From Article 9 sales to replevin proceedings, our attorneys can help you maximize your recovery.
Workouts and Restructurings
Litigation is not always the best path for a defaulted loan. Our attorneys assist with forbearance agreements, settlement agreements, and the negotiation and drafting of new loan documents to support workable outcomes.
Bankruptcy
A bankruptcy filing changes the playing field, but it does not eliminate leverage. When a borrower files for bankruptcy, our team represents creditors in Chapters 7, 11, 12, and 13 proceedings. Our attorneys advocate for creditors in order to ensure that their rights are protected throughout the bankruptcy process.
Depth of Practice
Our team represents financial institutions in matters where timing, documentation, and compliance are everything.
Our depth of practice includes experience with:
- Representation of community, regional, national, and international banks
- Representation of credit unions
- Commercial lending transactions
- Regulatory compliance counseling
- Policies and procedures review, drafting, and updating
- Operational support
- Lender liability defense
- Loan workouts, restructurings, and negotiated resolutions
- Forbearance agreements, settlement agreements, and restructured loan documentation
- Debt collection
- Judgment enforcement
- Mortgage foreclosures
- Bankruptcies, including creditor representation in Chapters 7, 11, 12, and 13 proceedings
Team
Bargnesi-J
Jack
Bargnesi
Associate
Buffalo, NY
Brasky-A
Adam
Brasky
Partner
Buffalo, NY
Burge-B
Benjamin
Burge
Partner
Buffalo, NY
DiDone-K
Kyle
DiDone
Partner
Buffalo, NY
Gioia-H
Horace
Gioia
Partner
Buffalo, NY
Pakkiri-K
Kimay
Pakkiri
Associate
Buffalo, NY
Rynski-L
Lee A.
Rynski
Associate
Syracuse, NY
Sarzynski-D
Daniel E.
Sarzynski
Partner
Buffalo, NY
Insights
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Industries Served
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Representative Matters
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