Business Services

Financial Institutions

With eleven offices in six Southeastern states, Stites & Harbison maintains broad experience in financial institutions law. Our financial institutions attorneys provide a comprehensive range of regulatory, transactional, and litigation services to our financial institution clients, among them banks, thrifts, securities firms, insurance companies, and other financial services companies.

Our services include regulatory advice, mergers and acquisitions, capital markets, lending, bond financing, leasing, loan syndications, commercial finance, secured transactions, creditors’ rights, bankruptcy, and litigation.

Regulatory and Transactional Matters

We regularly advise and represent financial institutions in a broad range of regulatory matters, including representation of financial firms and their officers and directors before federal and state regulatory authorities, consulting with management and boards of directors on the implementation of new regulations, assistance with compliance issues, and corporate governance matters. Our financial institutions attorneys guide clients in their relationships with customers as well as in their activities as lenders, underwriters, investment and merchant bankers, broker/dealers, placement agents, and advisors in complex public and private financial transactions.

Our experienced transactional and financial institutions attorneys provide advice and assistance to clients on a broad range of subjects, including the chartering of new banking organizations, the expansion of regulated banking and non-banking activities, branch acquisitions and divestitures, mergers and acquisitions, ownership succession, business planning, capital raising transactions, compliance with state agency regulations as well as with OCC, FDIC and Federal Reserve regulatory matters, responding to inquires and directives from such states and federal agencies, as well as from the IRS, Department of Justice and FBI, and securities law compliance.


We counsel large and small lenders in structuring, negotiating, documenting and recovering a wide variety of commercial, real estate and consumer loans and other credit transactions. We also represent borrowers and other parties involved with these transactions.

Our practice includes syndicated and participated multi-lender structures, factoring, leasing, bond financings and asset transfer transactions, such as securitizations. We are also experienced in a variety of strategies used in both the initial structuring and recovery of debt capital transactions.

Our commercial lending attorneys assist with unsecured lending and lending secured by a wide range of collateral types, while our real estate lending practice experience includes acquisition, construction, development, permanent and refinancing loans for all types of commercial properties. For consumer loans, we assist clients with drafting and enforcing loan documents used in consumer transactions.


  • Counsel large and small lenders, including banks, insurance companies, commercial finance companies, investment funds and private capital sources.
  • Assist with mezzanine lending, equity participations and other hybrid/debt equity strategies.
  • Assist with commercial lending secured by a wide range of collateral types, including accounts receivable, health care accounts receivable, inventory, equipment, software, entertainment assets, copyrights, patents, trademarks, private and public equity interests, and aircraft.
  • Provide counsel for real estate lending, including acquisition, construction, development, permanent and refinancing loans for all types of commercial properties.


Stites & Harbison’s financial institutions litigation group includes lawyers across the firm’s diverse practice groups and geographic locations. Lawyers with experience in banking litigation defense, business and real estate litigation, bankruptcy, title insurance defense, capital markets issues, white collar crime, securities and financial services litigation, professional liability defense, local and national regulatory compliance, lender liability, commercial banking litigation, and a variety of other practice areas are ready to serve the unique needs of our financial institution clients. We represent financial institutions of all sizes — from international mortgage lenders and servicers to small town state banks — in connection with a full spectrum of litigation and adversarial matters encountered in the modern financial environment.

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Press Releases

Bluegrass Area Chapter of American Red Cross Elects Brady W. Dunnigan to Board

LEXINGTON, Ky.—The Bluegrass Area Chapter of the American Red Cross has elected Stites & Harbison, PLLC attorney Brady W. Dunnigan to its Board of Directors. He will serve an initial two-year term.

by Stites & Harbison, PLLC September 06, 2023
Client Alerts

LIBOR Transition: Navigating the World of Synthetic LIBOR

Mary Lu Noah takes a look at the changes in the financial world after the demise of the London Interbank Offered Rate (LIBOR) in this Stites & Harbison Client Alert.

by Mary Lucille Noah (Mary Lu) August 21, 2023