Chapman and Cutler's Bank Regulatory Group represents a variety of federal and state-chartered financial institutions including holding companies and banks, savings associations, finance companies, commercial lenders, mortgage companies, trust companies, and credit card banks.

The firm assists clients with the formation and chartering of de novo institutions, merger and acquisition transactions, the purchase and sale of assets/portfolios, and restructurings.

Our legal involvement includes interstate acquisitions, participation in due diligence, negotiation of definitive transaction documents, and preparation of closing documentation. We also file necessary applications for regulatory approvals and licensing with federal and state agencies in connection with merger and acquisition activity.

Chapman has obtained regulatory approvals for clients from the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Office of Thrift Supervision, and several state banking agencies. We have ongoing working relationships with the Illinois Department of Financial and Professional Regulation, Division of Banks and Real Estate, and the Division on Financial Institutions.

In connection with our practice, we work closely with clients to identify permissible financial and non-banking activities for business expansion and, when necessary, we regularly file appropriate regulatory notifications and obtain required approvals from federal and state regulators.

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