We assist banks, financial institutions and other players in the financial sector, as well as investors, companies and international groups, by providing advice on banking and finance law. Our expertise covers financing transactions, regulatory issues and other banking and finance law matters, and our lawyers assist our clients in both purely German and cross-border contexts.
Banking and Finance
Our clients particularly value our extensive experience of international property and acquisition financing transactions, as well as our broad expertise in the core areas of banking and finance law.
We draft and negotiate loan documentation for both bilateral and syndicated financing arrangements and issue legal opinions. We also have significant experience in advising on consumer credit and deposit-taking activities, intra-group financing solutions, German Schuldschein loans and cash pool arrangements. In addition, we assist with matters relating to factoring, acquisitions and trading in non-performing loans (NPL portfolio transactions), as well as selected issues within credit management and servicing. kallan is a member of DKS – Deutsche Kreditmarkt-Standards e.V., an organisation dedicated to the development of common procedural and contractual standards for the German credit market and credit market transactions.
We advise credit institutions, financial institutions, payment institutions and operators in the credit management and debt collection sectors on all matters relating to banking supervision, licensing and registration. Cross-border matters, including passporting within the EU, form a central part of our advisory services. We assist our clients in the development of new financial products and services, as well as with regulatory matters relating to outsourcing, anti-money laundering measures (AML/KYC) and other compliance requirements.
By continuously monitoring legislation, case law and regulatory developments within the banking and finance sector, we help our clients to ensure that their documentation, processes and procedures are fit for purpose and aligned with current regulations and market practice.
Services
Documentation and ongoing advice
- Loan documentation
- Legal opinions
- Development of new financial products and services
- Adaptation to new legislation, case law and regulatory requirements
Financing transactions
- Real estate financing
- Acquisition financing
- Bilateral and syndicated financing
- Local counsel assignments
- Schuldschein loans
- Intra-group financing solutions
- Cash pool arrangements
Credit markets and alternative forms of financing
- Factoring
- NPL portfolios and receivables sale and purchase
- Credit management and servicing
Regulatory advice
- Banking supervision
- Licensing and registration matters
- EU passporting
- Outsourcing
- Anti-money laundering (AML/KYC)
- Compliance and regulatory matters
SELECTED TRANSACTIONS AND ASSIGNMENTS
- Assisted a leading Nordic provider of Open Banking-based account-to-account (A2A)- payments and real-time payments with cross-border regulatory matters
- Assisted Swedish banks with the establishment and ongoing cross-border consumer credit operations in Germany, and other financing solutions, such as Buy Now, Pay Later (BNPL) products
- Assisted Swedish banks in establishing and continuing cross-border deposit-taking operations in Germany
- Assisted Nordic banks and credit servicing providers with the acquisition, disposal and management of both non-performing loans (NPLs) and performing loans and other receivables
- Assisted an international group of companies in establishing a pan-European factoring programme
- Assisted Nordic banks, financial institutions and credit servicers with cross-border mergers and the transfer of German operations to newly established German branches
- Assisted Nykredit with financing transactions relating to residential property
- Assisted Hemsö in connection with the company’s first German Schuldschein loan
Rankings
- OP Kanzlei Bank- und Finanzrecht 2024-2026 – ranked as one of Germany’s leading law firms in banking and finance law in the WirtschaftsWoche ranking for 2024–2026, compiled by Handelsblatt Research Institute
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