Among the many banking and finance transactions that our lawyers have worked on, we have documented and negotiated syndicated commercial paper facilities, commercial loan facilities, subordinated debt issues, off balance sheet facilities and project finance.
Our services include:
- banking law and disputes;
- loan and security documentation;
- consumer credit regulation advice;
- APRA approvals;
- Australian Financial Services Licence and Australian Credit Licence compliance;
- advice on new products;
- advice on regulatory investigations by ASIC, APRA, ACCC and ATO;
- compliance reviews and training;
Banking and payments systems law
We regularly advise clients on banker and customer law and on payments systems matters such as cheques, credit and debit cards (including card scheme rules), and electronic funds transfers.
Retail credit and finance broking
We are familiar with the national consumer credit scheme.
We can advise on broker disclosure obligations, origination agreements and broker liability.
Most of our financial institution clients are prudentially regulated by APRA. We assist them on the legal aspects of compliance with APRA prudential standards.
We have particular expertise on the requirements imposed by the standards on directors and management of regulated entities.
Marketing and trade practices
Langes+ is experienced in reviewing advertising and marketing material, including online content, to ensure compliance.
We can also advise on trade promotions and competitions, loyalty and reward schemes, and other marketing initiatives.
Langes+ act as agents for the NSW Office of State Revenue. We have experience and expertise in all areas relating to stamp duty, including the stamping of cross border security documentation.
We are very experienced in all aspects of real property law. In particular, we are able to advise on the different forms of security available and the requirements of special customers such as corporations, associations, unincorporated bodies, partnerships and trusts, and prepare appropriate security documentation for these.
Langes+ operates a mortgage settlements service for many of its clients and is expert in the practical issues involved with the registration and discharge of mortgage securities.
Langes+ has advised on a wide range of securitisation programs. This experience gives us a unique perspective on the dynamics of planning, negotiating and documenting securitisation programs, so that we can help to maximise the benefits to the lender.
Collections are difficult, and subject to increasing regulator scrutiny.
We are experienced in debt collection and securities enforcement action and regularly undertake these activities for our clients.
We can also advise on our clients’ own debt collection policies and procedures, including privacy law compliance relating to credit reporting.