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Experienced North Carolina Banking Lawyer Serving Banks and Lenders

Asheville firm assisting financial institutions and creditors

Honeycutt Law Firm, PLLC handles compliance and risk management issues for lender, creditor and commercial clients. The firm deals with changing legal standards and help clients comply with rules and regulations. Mr. Honeycutt offers litigation and advisory services across a broad range of legal issues, including but not limited to:

  • Banking regulations
  • Secured transactions
  • Commercial borrowing and lending
  • Consumer protection

No matter the issue, he has the knowledge and experience to help you.

Understanding banking regulations

The Federal Reserve regulates banks, managing the nation’s money supply through monetary policies that stabilize inflation or deflation, moderate long-term interest rates, or maximize employment opportunities. Lenders and borrowers watch opportunities rise and fall in relation to these systemic pressures. The firm work closely with financial institutions to implement policies in compliance with state and federal laws. The scope of practice encompasses:

  • Regulatory matters
    • Federal Reserve matters
    • Office of the Comptroller matters
    • Federal Deposit Insurance Corporation (FDIC) matters
    • Sarbanes-Oxley violations
    • Antitrust investigations
  • Compliance with state law
    • Affiliate or insider relationships
    • Anti-money laundering
    • Capital adequacy regulations
  • Bank representation
    • Conflicting claims against a joint account
    • Exercise of the right to set-off
    • Collections litigation
    • Allegations of unauthorized use of debit and credit cards
    • Creditors’ rights litigation
    • Creditor liens and loans

Turn to Honeycutt Law Firm, PLLC for advice and guidance on almost any banking law issue.

Advising North Carolina institutions on secured transactions

Lenders may secure loans made to borrowers by requiring down payments or other collateral. In the event of default, the borrower cedes the right to collateral used to secure the loan. There are limits to what types of collateral may be used to secure a loan. Mr. Honeycutt can advise you about any of the following legal issues:

  • Secured transactions
  • Letters of credit
  • Audits
  • Loan workouts
  • Bankruptcy reorganization
  • Remedies under the Uniform Commercial Code (UCC)

He understands issues relating to secured, asset-based transactions.

Commercial lending and borrowing

Securing financing for business development or expansion can be difficult. Credit checks and due diligence may reveal risks or liabilities that could raise interest rates on the loan or otherwise affect the eligibility of your business for financing. Mr. Honeycutt regularly advises clients about the following legal issues:

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit
  • Mergers and acquisitions
  • Purchase and sale agreements
  • Reorganization
  • Organization of holding companies
  • Lines of credit

Speak to an experienced banking law attorney today

If you need assistance with a banking matter, Honeycutt Law Firm, PLLC can help you with all of the necessary details. Call the firm today at 828-424-7127 or contact the firm online. From the Asheville office, the firm represents clients throughout North Carolina.

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