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Team Opportunities

Banking & Financial Services Associate, Rochester  More

In The News

Chet Cobb Comments on Stalking-Horse Bids in Distressed Debt Report  More

Chester L. Cobb Featured in FinCriAdvisor on Bankruptcy Bidding  More

Chester Cobb Comments on Debt Guarantee in FinCriAdvisor Newsletter  More

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Press Releases

Phillips Lytle LLP Listed Among 2018 U.S. News – Best Lawyers® “Best Law Firms”  More

Phillips Lytle Among Highest Ranked Law Firms in Buffalo with Seven Top Listed Practice Areas in The Best Lawyers In America© 2018  More

Sixty Eight Phillips Lytle LLP Attorneys Named to the 2017 Upstate New York Super Lawyers® List  More

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Speaking Engagements

“The Enhanced Role of the SEC,” Las Vegas EB-5 Conference, January 2016  More

“Life After Law School: Basic Practice 101,” Erie Institute of Law Seminar, April 2014  More

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“Managing lender expectations in cross-border transactions,” Buffalo Law Journal, September 2017  More


The Commercial Paper - March 2014  More

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Banking & Financial Services

The ever-changing face of banking and financial services makes it more important than ever for law firms to have an in-depth knowledge and understanding of the workings of this complex industry. To effectively navigate the labyrinth of regulatory mandates, you need a law firm that provides creative, practical advice in a cost-effective manner.

As a premier banking and commercial law firm, our attorneys enjoy an excellent reputation built on decades of successful representation of major commercial, savings and foreign banks, trust companies, finance companies, credit unions and various other types of financial institutions. Phillips Lytle has also built a substantial practice to meet the financing needs of our FORTUNE 500, midsized and closely held business clients. Phillips Lytle attorneys have been involved in a number of financial milestones. Our attorneys were, in conjunction with Marine Midland Bank, at the forefront of establishing a credit card clearing network now known as MasterCard. In addition, a number of Phillips Lytle attorneys played a major role in drafting the Federal Truth in Lending Act, Fair Credit Reporting Act and the Equal Credit Opportunity Act.

The attorneys in our Banking and Financial Services Practice are experienced in structuring, negotiating and closing complex transactions on behalf of borrowers and lenders. Our expertise includes:

  • Acquisition financing
  • Small business loans
  • Affordable housing/tax credit financing
  • Asset-based lending
  • Commercial mortgage loans
  • Construction loans
  • Cross-border financing
  • Letters of credit
  • Loan restructuring/workouts
  • Syndications and participations
  • Tax-exempt and taxable bonds
  • Trade finance
  • Branch and portfolio sales and acquisitions
  • Capital market transactions
  • Purchase, sale, servicing and securitization of assets

Our attorneys also counsel clients on new product development and corporate trust matters. We advise clients on the purchase, sale, servicing and securitization of assets, as well as bankruptcy and creditors’ rights issues, branch and portfolio sales and acquisitions, capital market transactions and lender liability.

Phillips Lytle’s banking experience dates back to 1840. It is no wonder then that the firm has earned its reputation as a premier banking law firm.  We offer a depth and perspective that very few firms can offer – perspective that we believe is largely responsible for the quality of work and high level of satisfaction that we deliver to our clients every day.

Raymond L. Ruff
Raymond L. Ruff

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