Mathew A. Petersen

Mr. Petersen's practice focuses on representing financial institutions with a broad range of legal, regulatory, and operational issues. He has experience representing banks, bank holding companies, and fintech companies.

Corporate and Securities Transactions

Mr. Petersen's corporate and securities practice focuses on representing community banks and their holding companies in the negotiation and consummation of mergers and acquisitions, stock and asset acquisitions, and debt and equity security offerings. Mr. Petersen also assists clients with drafting shareholders agreements, preparing organizational documents, the formation of bank holding companies, and other corporate governance matters, including change of control issues and insider transactions.

Mr. Petersen also has experience representing public financial institutions in strategic corporate transactions, including mergers and acquisitions and public offerings.

Fintech/Nonbank Financial Services

Mr. Petersen's fintech and nonbank financial services practices includes advising fintech companies and banks in the development, launch, and implementation of lending, deposit, payments and other novel financial services programs. Mr. Petersen's experience includes negotiating program agreements, advising on state licensing issues, and developing compliance management systems. Mr. Petersen has helped fintech companies obtain licensing in numerous states and ensure compliance with both federal and state consumer protection laws, including fair lending laws, the Bank Secrecy Act, the Truth in Lending Act, the Electronic Funds Transfer Act, the Fair Credit Reporting Act, and the Military Lending Act.

Commercial Lending

Mr. Petersen's commercial lending practice includes representing both lenders and borrowers in commercial credit transactions and financings. Mr. Petersen has experience with a wide range of credit transactions, including accounts receivables and inventory, construction, equipment, tax credit, mergers and acquisitions, real estate and syndications.

Regulatory and Operational Issues

Mr. Petersen's regulatory practice includes advising clients with respect to compliance with state and federal banking laws and regulations. Mr. Petersen regularly advises clients on responding to examination issues and negotiating regulatory enforcement actions involving the FDIC, OCC, CFPB, and other state regulatory agencies. Mr. Petersen also provides guidance on compliance with consumer protection laws and regulations (e.g., fair lending, CRA, and RESPA).

Mr. Petersen also advises community banks on significant operational issues, including enterprise and vendor risk management, capital and strategic planning, employment agreements, incentive plans, and bank branching. Mr. Petersen regularly assists clients in reviewing and negotiating services agreements with core providers and other vendors.