Ballard Spahr LLP, Banking & Finance

About

Provided by Ballard Spahr LLP

Our Consumer Financial Services (CFS) Group is nationally recognized for counselling our banking and other clients on a wide range of consumer financial issues and products. We represent dozens of clients who have faced complex CFPB and other agency regulatory, supervisory and enforcement matters. We are also known for:

-Cutting-edge knowledge of privacy, cybersecurity, big data, artificial intelligence, and unparalleled experience in representation of payment systems and other fintech firms

-Representation of private equity firms, investment bankers and other professional investors in conducting regulatory due diligence in transactions with CFS companies

-Proactive approaches to helping clients avoid litigation, like the use of arbitration which we pioneered

-Broad knowledge of the rapidly changing statutes and regulations that govern the entire CFS industry, including mortgage banking

-Our breadth of knowledge and expertise about state licensing laws

-How to develop new online state-of-the art products and services, like “buy-know, pay-later,” “earned wage access,” and “income share agreements” which are compliant with all applicable laws

Our Commercial Finance Group represents a broad range of clients in the lending, borrowing, and arranging of capital through varied deal structures and project types. The Group is highly attuned to supporting our clients’ objectives and providing value-added services in today’s ever-changing and competitive business environment.

Chambers Review

Provided by Chambers

Banking & Finance - Pennsylvania: Philadelphia & Surrounds

Band 1

What the Team is Known For

Ballard Spahr has an excellent team with a deep bench of attorneys who handle sophisticated regulatory and transactional work. Provides wide-ranging expertise in consumer finance protection, litigation avoidance and technology-related legal issues. Also offers counsel on syndications and multiparticipant financings, ESOP financing and workouts of troubled loans. Also a strong choice for healthcare lending. Experienced in representing single-bank and multibank transactions and drafting commercial loan documentation. Has a growing practice advising on fintech and other nontraditional lending platforms, with particular strength in marketplace lending.

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Work Highlights

Provided by Ballard Spahr LLP

Ballard Spahr represented PNC Bank as administrative agent in a $1 billion credit facility to Essential Utilities.

Strengths

Provided by Chambers

"Ballard Spahr has an excellent reputation in this space and its lawyers skill sets are great."

Banking & Finance respondent
USA

"The team is very experienced."

Banking & Finance respondent
USA

"Ballard Spahr has an excellent reputation in this space and its lawyers skill sets are great."

Banking & Finance respondent
USA

"The team is very experienced."

Banking & Finance respondent
USA

Notable Practitioners

Provided by Chambers

Alan S Kaplinsky

Band 1

Alan Kaplinsky maintains an excellent reputation for his work representing financial services sector clients. He often advises on regulatory proceedings and related CFPB-led investigation matters.

"He's excellent, can't speak highly enough. He has an excellent knowledge of law and good commercial awareness."

"Alan is a brilliant practitioner."

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Richard S Perelman

Band 1

Richard Perelman maintains a long-standing practice advising clients on a range of complex lending transactions. He is experienced across a range of financings, including acquisition, joint venture and public finance.

"He is excellent - he's an extremely good draftsman, very knowledgeable and very good to work with."

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John L. Culhane, Jr.

Band 2

John Culhane often handles regulatory investigations into various lending matters involving mortgage and student lending. His expertise also extends to due diligence and CFPB investigations.

"He is an excellent lawyer."

"One of the most knowledgeable consumer finance regulatory attorneys in the country, he is a veritable encyclopedia."

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Steven M. Miller

Band 2

Steven Miller is highly experienced in the representation of lenders in commercial loans and acquisition financing matters. He is adept at handling both domestic and cross-border financings.

"He's very well respected and an excellent lawyer."

"Steven is a pleasure to work with."

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Jennifer Santangelo

Band 3

Jennifer Santangelo brings over 25 years of experience in the banking and finance space to the team at Ballard Spahr. Her clients include high-profile domestic and international banks.

"She's a very strong lawyer."

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Maulin Vidwans

Band 3

Maulin Vidwans maintains a multifaceted practice handling sophisticated financing matters for institutional lenders. Maulin is experienced at assisting his clients within international lending and refinance.

"Maulin is pragmatic and client-focused."

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Sandra Wintner

Up and Coming

Sandra Wintner has a burgeoning practice in the space. She is recognized for her lending capabilities, working regularly with well-known banking clients in international deals.

"She's a very good lawyer and she's very smart."

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