Commercial Services

Our firm handles a broad range of commercial transactions. The firm represents clients in structuring, documenting and negotiating complex commercial finance transactions, including asset-based inventory and receivables financing, loan participations, and lease financing.

Our firm provides its clients with specialized form documentation packages, such as construction loan, letter of credit, business loan, real estate loan, asset-based financing and loan participation agreements.

The firm also advises clients in connection with domestic and international standby and commercial letters of credit, as well as equipment and other personal property leasing, franchise agreements and the application for and transfer of liquor licenses.

Consumer Financial Services

Our firm has considerable expertise advising financial institutions regarding consumer financial services. The firm’s practice covers all aspects of compliance, new product development and product implementation. Areas of expertise include Truth in Lending, Community Reinvestment Act, RESPA, HMDA, flood insurance regulations and fair lending. The firm regularly assists in development of consumer loan program documentation packages, including home equity lines, ARMs and credit cards. Aldrich & Bonnefin also supports the “back room” compliance function as well, regularly reviewing advertisement copy, application forms and loan underwriting policies. In addition, the firm assists clients in responding to examination reports, including corrective action and restitution, and negotiating regulatory orders.

Our Naperville debt settlement firm also provides comprehensive support in connection with deposit-based consumer financial services. The firm regularly assists financial institutions in the establishment of ATM card programs, POS programs and Automated Clearing House credit and debit programs.

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