Financial Services

We Understand Your Business

The financial services industry drives the global economy and enables companies across all business segments to grow and thrive. With such widespread influence, it is particularly important for participants in the financial services industry to stay attuned to current trends in the marketplace. For instance:

  • The impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act continues to be felt across the industry. As financial service firms wait to see the affect on everything from executive compensation to proprietary trading to derivatives controls, companies in all corners of the financial services sector are gearing up for significant change. Dodd-Frank regulatory changes will also be accompanied by new capital standards from Basel III in 2013, forcing still more changes due to capital and liquidity requirements.
  • As retail banks continue to look for ways to reduce costs in order to compensate for everything from loan losses to lower checking account profitability, physical footprint reduction looks to be an attractive option in some cases, with banks scaling back on branch expansion plans and potentially shuttering some locations.
  • The increase in regulation for private fund advisers has created multiple filing requirements, causing both previously and newly-required registered advisers to scramble to navigate not only what filings are applicable, but also how to aggregate, obtain and track the required information. Along with the standard Form ADV, advisers must now wrestle with the potentially onerous Form PF, as well as Form SLT, Form SHC, Large Trader ID and others.
  • Retail investors are showing increased interest in derivatives and other structured products, prompting brokers to work to meet demand for availability for these trades, often on mobile platforms. The risk metrics that accompany these new products may cause both investors to more closely examine their investment options and firms to be cautious regarding investor actions.

Is your company positioned to succeed?


We Can Help

As increased regulations continue to complicate financial transactions, industry participants require sophisticated legal counsel to navigate the changing environment and respond to opportunities and challenges. With more than 130 members throughout the firm, Holland & Knight's Financial Services Team has the depth and experience to effectively serve borrowers and lenders in all of their legal needs, including:

  • Corporate Services: We can assist you in conducting all aspects of your business operations, from corporate governance and transactions to mergers and acquisitions and data privacy and security, while ensuring that your activities are in full compliance with current regulations, including the Sarbanes-Oxley Act and the Dodd-Frank Act.
  • Financial Services: As merger and acquisition (M&A) activity increases across many business segments, the demand for capital likewise increases. Our team can assist you in negotiating, documenting and completing every type of financial transaction, including commercial lending, private equity, venture capital, structured finance and public finance. We can also help protect your interests through workouts and restructuring of problem loans.
  • Insurance: Directors and officers of financial institutions face risks to their personal assets from multiple sources and state-of-the-art insurance protection is more important than ever. Our team can assist you in evaluating, negotiating and enforcing your directors and officers (D&O) fiduciary, employment practices and other management liability insurance policies.
  • International: As the global marketplace continues to fuel expansion opportunities around the around the world, we can assist you with all aspects of growing or maintaining your international operations, from transactional needs to mergers and acquisitions. In addition, we can also help your organization to prevent and address allegations of fraud and corruption such as anti-money laundering and violations of the Foreign Corrupt Practices Act.
  • Labor, Employment and Benefits: We can guide your organization through common employment issues such as policies and training as well as more complex issues such as executive compensation, which has taken on added significance due to changing regulations.
  • Litigation and Dispute Resolution: Heightened regulations mean increased investigations and enforcement actions for participants in the financial services industry. We can defend your interests in any type of investigation and litigation, including those initiated by or involving the Securities and Exchange Commission (SEC), the Department of Justice, antitrust, RICO, consumer fraud, breach of fiduciary duty and regulatory compliance.
  • Public Policy & Regulation: The recent economic turmoil has led to increased regulations and enlarged penalties. We can advise you on the impact of the latest legislative and regulatory developments, including the Dodd-Frank Act, and can assist you with government relations and drafting of legislation that advances your objectives.
  • Real Estate: Most financial services companies require brick and mortar locations and our team can help you with the acquisition, development, leasing and sale of the land and facilities required for your operations.
  • White Collar Defense and Investigations: With government investigations on the rise, compliance programs aimed at preventing regulatory violations are critical for companies engaged in the financial services industry. Our team can help you develop and implement such programs, and we can also defend your organization against allegations of fraud, corruption and money laundering.

Guidance You Can Trust

The combination of our thorough knowledge, our extensive experience and our sincere commitment to provide responsive service is why clients entrust our Financial Services Team to handle their legal needs. These attributes are also the reason why members of our team have been recognized among the top legal professionals in the country by leading publications, including:

  • Chambers USA - America's Leading Business Lawyers recognized members of the following Holland & Knight practices as leaders in their fields:
    • Banking & Finance - Florida: Public Finance, Regulatory and Transactional
    • Banking & Finance - Massachusetts
    • Nationwide Aircraft Finance
    • Nationwide Equipment Finance & Leasing
    • Nationwide Investment Funds: Hedge Funds
    • Nationwide Shipping Finance
  • Chambers Global recognized members of the following Holland & Knight practices as leaders in their fields:
    • Global-wide Asset Finance
    • Global-wide Shipping
    • Liberia Shipping: Lawyers Based Abroad
  • Best Lawyers in America recognized members of the following Holland & Knight practices as leaders in their fields:
    • Banking & Finance
    • Derivatives and Futures Law
    • Equipment Finance Law
    • Financial Services Regulation
    • Litigation - Banking & Finance
    • Public Finance Law
    • Securitization and Structured Finance Law
    • Venture Capital Law