• At Dreher Tomkies LLP, we concentrate on the areas of banking and financial services, with an emphasis on financial services provided by creditors to consumers. Our Firm’s partners have over 100 years of combined experience advising on banking and financial services matters.

    Our Practice

    We routinely advise clients on:

    • consumer lending
    • home equity lending
    • motor vehicle financing
    • manufactured home financing
    • first and second mortgage lending
    • private label and general purpose credit card lending
    • student lending
    • payday lending
    • title lending
    • RAL lending
    • retail sales financing
    • wholesale financing
    • inventory financing
    • business revolving credit and charge programs
    • merchant cash advances
    • factoring
    • health care and medical financing
    • deposit taking
    • prepaid and smart cards
    • home banking
    • annuity and insurance sales
    • GAP programs
    • reinsurance
    • debt cancellation and suspension
    • debt collection compliance
    • state and federal regulatory compliance
    • licensing and chartering of institutions

    Such counseling can include the rendering of advisory opinions, state law outlines and summaries, product design and development and the identification of appropriate product delivery vehicles, as well as program planning, implementation and maintenance.

    Dreher Tomkies LLP also provides advice regarding all aspects of the purchase and sale of receivables, the negotiation of credit programs among financial institutions, retailers and others, securitizations and participations of receivables, litigation and amicus briefs in connection with credit issues, creditor representation in bankruptcy and legislative and regulatory solutions.

    We frequently assist in long-term strategic planning, issue identification and the implementation of plans for financial institutions, other types of clients and their affiliates with respect to providing financial services on an interstate and nationwide basis.

    We have substantial experience in assisting bank holding companies and diversified financial services companies in rationalizing and consolidating their diverse consumer lending operations.

    Committed to Excellence

    Our lawyers are committed to providing excellent service. We seek to design projects to the needs and desires of our clients and believe that the breadth and depth of our concentrated experience allows us to deliver legal services in an expeditious and cost-efficient manner.

    Dreher Tomkies LLP has received the highest ranking in Chambers USA: America’s Leading Lawyers for Business for Financial Services Regulation: Consumer Financial Services Regulation, a globally recognized guide to the legal profession that publishes in-depth, unbiased rankings of the firms and attorneys considered leaders in their field.

    Firm Resources

    We have a substantial body of knowledge with respect to consumer, business and retail financing programs offered by financial institutions nationwide. Over the years we have developed an extensive database of material on all aspects of banking and financial services on an individual state and nationwide basis.