In the planning and formation stages of any financial institution, it is important to explore different state and federal charters, licensing options, and capital structures in order to make the most strategic decisions. Careful consideration must include any number of matters, such as the acquisition, formation and management of operating subsidiaries or credit union service organizations (CUSOs).

SW&M attorneys have extensive experience advising credit unions on various federal and state FOM issues. We provide preparation and filing of associational, occupational and community FOM requests. Additionally, we advise financial institutions of the benefits, burdens and any potential ramifications of different charter options, and utilize expertise within the regulatory environment, its legal restrictions, the practicalities of product types and the concentration limits of different charters.

Attorneys Practicing in Chartering and Field of Membership (FOM)
Steve Balian
Managing Partner
Tim Oppelt
What Makes SW&M Unique?

In a few words: Focus, purpose, commitment and “fire in the belly”