Banking & Finance Law

What must you consider from the perspective of banking supervision when engaging in shareholder financing? How is a merger control procedure conducted? Is your business model affected by the regulatory framework outlined in the Payment Services Supervision Act (ZAG)? Supervisory law governs the actions and specific measures that authorized supervisory personnel may execute and implement within the banking and capital services sectors.

This is a complex and intricate area of law, presenting high entry barriers: Are you aware of the reporting and notification obligations you must fulfill? What capital requirements must you meet? Which licensing and prospectus obligations are triggered when initiating a business transaction? Are innovative solutions such as Initial Coin Offerings (ICOs) applicable to your operations? Violations of any kind can result in severe consequences, some of which may also lead to criminal prosecution. Therefore, it is imperative that all activities within this domain are conducted with the utmost diligence.

Whether you are a bank or savings bank, investment advisor, asset manager, or initiator of funds, capital, and asset investments, all of you are subject to supervisory law considerations. We strongly recommend that you seek legal counsel to navigate these regulatory challenges effectively.

In addition to traditional physical currencies such as the Euro or the Dollar, there are also digital forms of money. These are not printed but are electronically created and stored in so-called blockchains (public databases). These digital currencies are also known as cryptocurrencies, with Bitcoin being one of the most prominent examples. Nowadays, these currencies are recognized as legitimate assets for trading portfolios.

Legal jurisprudence is evolving rapidly, and the technological boom associated with cryptocurrencies also introduces various risks: How can you participate without specialized knowledge? What do you need to understand about this financial instrument? What dangers might arise when dealing with invisible currencies? How can you protect yourself from fraudsters?

Our legal experts provide comprehensive advice on navigating the complexities of cryptocurrencies within the banking and financial sectors. We help you understand the regulatory landscape, assess the risks involved, and implement strategies to safeguard your investments. Whether you are looking to integrate cryptocurrencies into your financial portfolio or seeking protection against potential fraud, our specialized attorneys are here to support and guide you every step of the way.

A loan is a contract between two parties. Lenders provide borrowers with money or similar assets for a specified period for their use. Borrowers can include companies, while lenders are typically financial institutions. For example, a loan may be obtained as a business credit.

In addition to the loan term, a loan agreement should encompass elements such as interest rates, repayment methods, securities, and more. Many individuals are unclear about the obligations that arise from entering into a credit agreement. What liabilities might you assume? What aspects should you meticulously consider before finalizing a contract? What potential pitfalls could you encounter? How can you revoke or terminate overpriced agreements?

Our specialized attorneys are here to guide you through every step of the process. We ensure that your loan agreements are comprehensive, fair, and legally sound, protecting your interests and helping you navigate complex financial obligations with confidence.