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Ruder Ware’s Banking & Financial Institutions Focus Team provides legal counsel to financial institutions as lenders and to clients as borrowers. Specifically, our attorneys represent commercial lenders and borrowers in single- and multi-lender credit facilities involving traditional bank credit arrangements, letters of credit, leveraged acquisitions, and recapitalization financings.
Our attorneys prepare and negotiate a variety of agreements necessary for properly documenting commercial loan transactions, including credit agreements, intercreditor agreements, subordination agreements, participation agreements, promissory notes, security agreements, mortgages, and other collateral documents.
Our lawyers also have substantial experience representing state and national banks, bank holding companies, and other financial institutions in connection with organization, acquisition and divestiture transactions, ownership and corporate governance issues, and regulatory matters. Specific services offered by our banking and financial institutions practice area include:
Ruder Ware is an associate member of the Wisconsin Bankers Association.
Founded in 1920, as part of a full-service law firm, our attorneys provide clients with a one-stop approach to their legal needs. Ruder Ware provides business, tax, employment, estate planning, real estate, litigation and trust services through its offices in Wausau, Eau Claire, and Green Bay, Wisconsin. Ruder Ware, Business Attorneys for Business Success.
Posted on March 27, 2020 by Jeremy M. Welch
The extent to which COVID-19 will cause financial distress, or even financial ruin, to businesses throughout the State of Wisconsin is yet to be determined. We do know, however, that there will be many businesses that struggle to maintain sufficient cash to survive the mandatory shutdowns and the loss of revenue resulting from the pandemic. […]
Posted on March 26, 2020 by Joseph M. Mella
These are unprecedented times for all of us. We continue to receive directives, orders, and suggestions from our local, state and federal governments and their agencies, most of which continue to place additional restrictions on our activities. In an effort to allow real estate transactions to continue, an effort has been made by the Wisconsin […]
Posted on March 23, 2020 by Ruder Ware Alumni
This morning Governor Evers released a statement notifying citizens that he will be issuing a “safer at home”. The impact of this order for individuals and businesses will depend on the wording of the order which is expected to be released tomorrow (Tuesday, March 24th). The governor’s initial statement indicates that the order will, similar to […]
Posted on January 29, 2019 by Christopher M. Seelen
The latest federal bankruptcy statistics contain more bad news for Wisconsin’s farmers. Chapter 12 farm bankruptcies continue to rise even though overall bankruptcies continue to fall. Although total bankruptcy filings (including Chapter 7, Chapter 11, Chapter 12 and Chapter 13) in the Western District of Wisconsin fell 2.8% in 2018 and have decreased every year […]
Posted on November 5, 2018 by Emilu E. C. Starck
The OCC, the Board of Governors of the Federal Reserve System, and the FDIC published an interagency interim final rule effective August 29, 2018. The interim final rule amends the regulations governing eligibility for an 18-month on-site examination cycle. Under the interim final rule, qualifying depository institutions with less than $3 billion in total assets […]
Posted on July 30, 2018 by Ruder Ware Alumni
Many are unaware that the Americans with Disabilities Act (“ADA”) applies to websites as well as physical facilities. A review of court dockets around the country shows that plaintiffs are filing an increasing number of lawsuits against companies alleging that their websites are not “accessible” to individuals with disabilities as required by the ADA. In […]
Posted on February 16, 2018 by Amy E. Ebeling
On January 18, 2018, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency released guidance on the accounting implications of the Tax Cuts & Jobs Act (the “Act”) signed into law on December 22, 2017. The guidance provides information on the […]
Posted on January 26, 2018 by Matthew D. Rowe
Chris Seelen, a member of Ruder Ware’s Banking and Financial Institutions Focus Team, recently provided comments on Wisconsin’s ag lending market for Wisconsin Public Radio. The WPR story focused on new federal court data that shows the Western District of Wisconsin had the highest number of farm bankruptcies in the country last year.
Posted on January 24, 2018 by Christopher M. Seelen
Low grain and milk prices have negatively affected Wisconsin’s ag economy for a few years now. As further evidence of the financial stress on Wisconsin farmers, the national bankruptcy statistics show that, in 2017, more Chapter 12 farm bankruptcy cases were filed in the Western District of Wisconsin than in any other district in the […]
Posted on January 5, 2018 by Ruder Ware Alumni
On September 27, 2017, the FDIC, the Federal Reserve, and the OCC (the “Agencies”) issued a proposed rule that simplifies the compliance requirements of the existing regulatory capital rules and is intended to reduce the regulatory burden imposed by it. Developed with small- and medium-sized banks in mind, the proposed rule would: replace the complex […]