In the planning and formation stages of any financial institution, it’s 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, including the acquisition, formation and management of operating subsidiaries or credit union service organizations (CUSOs).

SW&M attorneys have extensive experience advising and assisting credit unions on various federal and state FOM issues. We are happy to help with the preparation and filing of associational, occupational, and community FOM requests. We can also advise financial institutions on the benefits, burdens, and ramifications of different charter choices. Our guidance is informed by years of experience with the regulatory environment, legal restrictions, the business practicalities of available product types, and the concentration limits available to 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”