Thomas Homberg is a shareholder and team leader of the Banking & Financial Institutions Practice Group. He has a broad background in financial institution regulation and formerly was an in-house attorney at a $20 billion bank holding company based in Wisconsin and acting general counsel of a federal thrift.
Thomas has extensive experience in representing banks, thrifts and other financial service companies on a wide range of regulatory, compliance and transactional matters, including strategic planning, mergers and acquisitions, charter formations, interstate branching and expansion, capital raising initiatives, secured and unsecured financings, asset securitizations, commercial lending transactions, and state and federal enforcement and regulatory issues. He also frequently counsels banks, private equity funds and hedge funds on control and other regulatory issues related to equity investments in banks and other companies.
He has a diverse regulatory practice and has represented clients on a variety of complex transactions, including bank mergers and acquisitions, joint ventures and strategic alliances, merchant banking and equity investments, cross-industry acquisitions, and asset purchases and sales involving loan, deposit, credit card, and trust and investment portfolios. He also specializes in transactions involving the creation of new bank charters and charter conversions and counsels clients in choosing and structuring the most appropriate bank charter for their business needs.
Thomas routinely advises clients on consumer financial service and retail banking matters, including compliance with federal and state laws and regulations governing credit cards, mortgage loans, deposit products, automobile financing and related retail products. He has worked extensively with clients on data use, privacy and data security issues, and he frequently advises clients on interstate compliance matters, including interest rate exportation and federal preemption. He also represents and assists clients in creating, structuring and implementing new products and services and has helped structure a variety of interstate deposit, loan and wealth management programs.
His clients include many of the largest bank holding companies in the Midwest, along with community banks, mortgage and finance companies, trust companies and other financial service providers. Thomas has extensive dealings with state and federal banking regulators, and assists clients with examination matters and informal and formal enforcement actions. He also regularly meets with bank boards regarding strategic planning, corporate governance and other regulatory matters.
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