Broad and Deep Expertise Across Dedicated Teams

The legal needs of financial institutions can be incredibly broad, encompassing everything from general corporate law matters all the way up to the most complex regulatory issues. The attorneys at SW&M have seen it all, and we’ve got you covered.

Chartering And Field Of Membership (FOM)

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, […]

Commercial Lending

SW&M advises and supports financial institutions across the full spectrum of commercial lending matters.  We have broad experience with commercial lending regulatory matters, as well as special assets management, insolvency, and bankruptcy matters. Our comprehensive services include the following: Drafting […]


In recent years, the vast body of regulations that govern consumer financial services has only grown in size and complexity. The impact on lending, loan brokering, deposit accounts, negotiable instruments, and other services can be quite challenging. SW&M helps financial […]

Contract Review, Negotiations & Termination; Vendor Management

In recent years, regulatory bodies have paid increasing attention to vendor management, particularly as the financial services industry deepens its embrace of digital-first strategies. We’ve seen a flurry of guidance about due diligence over vendor relationships — especially where data […]

Corporate Governance

Governance includes all of the documents, policies and procedures that legally define and organize a company. But it goes beyond operations — carefully adhering to corporate governance can help prevent “piercing the corporate veil,” maintain limitations of liability with subsidiaries, […]

Credit Union Law

Over multiple decades serving the legal needs of credit unions, SW&M has seen it all. The unique nature of credit unions leads to specific complexities in governance, regulatory, formation, and even normal operations that must be mastered in order to […]

Crisis Management

For organizations built on trust, dealing with crises is of paramount importance. Whether it’s unwanted media or online attention, marketing challenges, operational issues, unanticipated regulatory actions, or some form of theft or privacy issue, a crisis requires both steady support […]


The SW&M team has significant experience and know-how in matters related to credit union service organizations (CUSOs) — from corporate formation to operational matters such as CUSO acquisitions of insurance agencies, and all the way through dissolution. We can also […]

Executive Compensation

The challenge of hiring and retaining talented executives is not unique to the financial services industry. A compelling executive compensation plan — such as a deferred compensation plan, defined contribution and defined benefit plan, and/or supplemental executive retirement plan (SERP) […]

Financial Services Operations

SW&M attorneys have decades of experience in anticipating, preventing, and mitigating the curveballs and complications that can arise in regular day-to-day operations. From the most routine deposit or loan account to the most complex operational processes, we know that compliance […]

Insolvency And Creditors Rights

SW&M attorneys have substantial experience in all aspects of bankruptcy and creditors rights. We have represented multiple major banks, credit unions, and other financial institutions in Chapter 7, 11, 13 and Subchapter 5 bankruptcy proceedings. We have also represented bankruptcy […]

Insurance Coverage And Policies

SW&M is always happy to advise on coverage, policies, risk assessment, risk management, and business transactions. Over our decades of experience, we’ve found a particular need for legal support in insurance and bonding matters, in cases of loss as well […]

Intellectual Property Guidance

SW&M’s multigenerational team has advised hundreds of clients through the emergence of intellectual property as a critical concern. With both deep history and cutting-edge expertise, we counsel clients on how to identify and protect their proprietary information, from proprietary asset […]

Labor And Employment Law

Over our history, SW&M has supported the business growth of hundreds of financial institutions in matters related to employment. Our attorneys focus on preventing issues through strategic planning and careful stewardship, working closely with clients to minimize or eliminate their […]


SW&M attorneys have decades of experience advising clients on all legal aspects of consumer and real estate lending. We provide expert general compliance advice as well as collaborative support for developing and maintaining key documents, forms, policies and procedures, and […]

Litigation Management

Financial institution litigation is complex. Cases range from relatively small individual matters to large class actions involving thousands of persons. The types of claims made against a financial institution can range from run-of-the-mill contract disputes to allegations of statutory violations […]

Mergers And Acquisitions

SW&M has been the industry leader in credit union mergers for decades. The legal, regulatory, and business ramifications of financial institution mergers are always top-of-mind for our attorneys, and we stay current on all developments in the field. Our track […]

Privacy And Cybersecurity

As consumer demand for new, quick, easy, and safe digital experiences never seems to stop, SW&M has guided and supported financial institution clients in evolving and protecting their operations. Our Privacy and Cybersecurity practice has grown over the years as […]

Real Estate

From leases to building purchases, fixed asset limitations and unused property to REO, financial institutions feel the impact of real estate laws and their real estate transactions throughout their daily operations. Over the years, SW&M has represented clients on both […]

Regulatory Examination Support

SW&M has more than 30 years of experience with regulatory examinations, working on behalf of multiple financial institutions across the country and with NCUA, OCC, FDIC, and state regulators. Our team has the perspective and expertise to successfully navigate the […]