Craig and Macauley has represented financial institutions for more than 45 years. Our extensive experience in the law relating to financial institutions enables us to handle matters on an economic basis and to deal with issues constructively as they arise.

Our lawyers represent national banks, trust companies, cooperative banks, federal and state savings banks, savings associations and credit unions and their affiliates, including holding companies and subsidiaries. We represent banks of all sizes, including community banks and foreign banks. 
Our banking practice provides legal advice concerning: 

• commercial lending and leasing transactions of all kinds, including secured and unsecured loan facilities, real estate lending, multibank loans, participations and letters of credit;
• workouts, bankruptcy and reorganization proceedings;
• implementation of strategies to retain corporate independence;
• compensation and benefit programs for directors, senior executives and employees, including supplemental executive retirement programs ("SERPs"), qualified and non-qualified option plans, performance-based compensation, split dollar insurance programs, fringe benefit programs, and pension, profit sharing and welfare benefit programs;
• compliance with regulatory requirements relating to insider transactions, lending limits, the Community Reinvestment Act, other consumer protection laws and privacy laws; 
• regulatory enforcement proceedings against banks and their officers and directors;
• corporate activities, including public and private offerings of equity and debt securities, stock repurchase programs and dividend reinvestment plans, mergers and acquisitions, asset purchases and sales, stock conversions, charter conversions and reorganizations;
• fiduciary activities and dispute resolution and litigation concerning 
  fiduciary relationships;
• consumer lending programs and retail bank products;
• insurance and securities activities;
• adequacy of directors and officers liability insurance, fidelity bonds, environmental insurance, trust activities insurance, errors and omissions insurance and other insurance coverage;
• litigation commenced by or against a bank, including claims against third parties as a result of defalcations;
• compliance with trustees process, subpoenas and tax levies;
• check and other payment systems, including electronic commerce and documenting collections;
• banks' rights with respect to tradenames, trademarks, computer software and other intellectual property; 
• acquisition of computer hardware and software; and
• internal investigations and audits, and criminal reporting requirements.