Banking, Finance & Financial Institutions
San Juan Banking and Finance Lawyers
The firm has represented financial institutions in Puerto Rico for over 50 years. Our clients include major international banks, Puerto Rico-chartered banks, mortgage lenders, credit unions and cooperatives.
We are experienced in bank mergers and acquisitions, the creation of international banking entities, and sales of financial assets and asset portfolios. We regularly advise clients in connection with federal and Puerto Rico banking laws and regulations, including Federal Reserve, OCC and FDIC regulations. This area of legal practice extends to consumer credit, electronic fund transfers, community reinvestment and monetary transaction reporting, among others. In the area of legal compliance, its members assist clients to meet all requirements of Puerto Rico and United States statutes and regulations.
The firm has an extensive and active commercial finance practice, including:
- Working capital and asset-based financing
- Business acquisition loans
- Project finance, including industrial, commercial and residential real estate development
- Floor planning
- Letters of credit (including credit enhancement for security offerings)
- Loan syndications and participations
- Intercreditor agreements
- Secured and unsecured credit of all types
- Workouts and restructurings
While our firm most frequently represents lenders in financing matters, we also represent business borrowers in transactions with non-client lenders.
Our lawyers also advise financial institutions in the areas of consumer protection laws and regulations such as Truth in Lending, Equal Credit Opportunity, Real Estate Settlement Procedures and Fair Credit Reporting. We actively represent consumer financial service providers in residential mortgage lending, boat financing and consumer credit regulatory matters.
Members of the Banking, Finance & Financial Institutions Practice Group:
Members of the group may collaborate with members of other practices at our firm to provide comprehensive solutions for individual clients.
Members of the firm appear on behalf of clients before federal and Puerto Rico courts, government agencies, and in domestic and foreign transactions. GAC's offices are in the American International Plaza Building in the heart of Hato Rey, San Juan, Puerto Rico's financial district. If you would like to speak with a member of the firm or have any other question, please contact the firm to arrange a consultation with an attorney with the appropriate experience.