Finance + Public Finance

Our finance lawyers provide the full range of legal services to support the financing goals of private and public sector clients. Our Finance Group routinely handles sophisticated commercial lending transactions, litigation, securities matters, and workouts and bankruptcies. Clients include banks and their special finance and merchant banking affiliates, insurance companies, financial subsidiaries of major industrial corporations, and other financial intermediaries. In addition, we have extensive experience dealing with state and federal regulators in transactions. Our finance regulatory lawyers counsel banks, insurance companies, mortgage companies, and other financial service providers in a wide range of regulatory and operating issues.

Robinson+Cole was one of the first nationally recognized bond counsel firms in the country and has provided comprehensive legal services in municipal finance transaction for more than 30 years. Members of the Public Finance Group advise state and local governments, government authorities, issuers, underwriters, borrowers, corporate trustees, investors, banks, and mutual fund clients.

    • Experience
      • Represented lenders in connection with credit facilities extended to Indian tribal nations involving a variety of sovereign immunity and related issues.
      • Represented lenders in a variety of transactions involving financial assistance or guarantees from the Connecticut Development Authority and/or the Connecticut Department of Economic Development.
      • Represented lenders providing pre- and post-export financing under loan guaranty and export insurance programs offered by the Export-Import Bank of the United States.
      • Represented lender in construction to mini-permanent loan of corporate offices and distribution center involving United States Department of Agriculture loan guaranty.
      • Represented lender in low-income housing tax credit transaction with multiple funding sources and represented same lender in acquisition of the tax credits.
      • Represented lender in leasehold mortgage construction to permanent loan for large apartment complex in velocity zone.
      • Represented a large North American producer of specialty value-added paperboard products in U.S. and Canadian public offerings and private placements.
      • Represented Indian tribal nation as special counsel and bond counsel in connection with structuring, negotiating, documenting, and consummating an ongoing series of debt financings, involving a variety of sovereign immunity and related issues, including a $350 million bank facility, a $225 million tax-exempt commercial paper program, a $75 million senior note issue, and over $900 million in special revenue bonds.
      • Represented lender in a series of secured credit facilities involving revolving loans, term loans and mortgage loans as well as related interest rate protection arrangements to an integrated group of affiliate corporations operating nationwide.
      • Represented borrower in conduit loan transaction secured by multiparcel apartment complexes.
      • Represented multiple borrower parties in acquisition of and conduit financing for shopping center.
      • Represented a lender in a series of secured credit facilities involving revolving loans, term loans and mortgage loans, as well as related interest rate protection arrangements, to an integrated group of affiliate corporations operating retail furniture outlets in Massachusetts, New Hampshire and Connecticut.
      • Represented agent and lenders in a $65 million syndicated credit facility to an operator of 22 health care facilities located in Connecticut, Rhode Island and Massachusetts.
      • Represented lenders in a variety of transactions involving letters of credit or other credit enhancements in support of the issuance of tax exempt revenue bonds, including revenue bonds issued by the public authority issuing bonds to tax exempt borrowers.
      • Represented administrative agent and syndicate of lenders in connection with $200 million revolving and term-loan facility to fund a "going private" transaction, a dissenting shareholder reserve and working capital needs, secured by real property located throughout the United States and a blanket lien on all other assets.
      • Represented three separate lenders in the financing of the acquisition by five separate buyers’ groups of the Connecticut operations of a NYSE listed waste hauling and management corporation. The transaction required the simultaneous closing of five separate loan facilities to five independent and unrelated groups of buyers in order to fund the acquisition transaction which closed on a parallel course.
      • Drafted new insurance reinvestment fund tax legislation in Connecticut and represented a group of venture capital partnerships in establishing an insurance reinvestment fund approved by the Connecticut Department of Economic and Community Development to channel investments by insurance companies into start-up or emerging businesses in Connecticut. These types of funds exist in some other states and are commonly referred to as Capco Funds.
      • Representation of U.S. subsidiary concerning its accession to its parent corporation’s restructured global credit facilities.
      • Represented lender in construction loan of assisted living, congregant care and condominiums on former estate in premier Boston suburban location.
      • Represented lender in $1.25 million multibank syndicated financing with major U.S. insurance company.
      • Represented lenders in a variety of transactions lending to sports franchises, including the New England Patriots, the Hartford Whalers and the Hartford Hellcats.
      • Represented lender in a multimillion dollar financing of a major restaurant franchise syndicate.
      • Represented an institutional lender providing a $22 million construction loan to an affiliated group of borrowers to fund the construction costs associated with the design, procurement, and installation of 26 MW commercial rooftop solar array projects for two Fortune 50 companies to be located on 60 commercial buildings in four states and secured by all assets of the borrowers. We advised on respective rights under all contracts with equipment procurement contractors (EPCs), power purchase agreements, renewable energy certificates, agreements relating to federal investment tax credits, interconnection agreements, and maintenance agreements. The contemplated refinancing of this transaction involved the placement of permanent senior loan financing from an institutional lender, a tax credit equity investment (in the form of a "partnership flip," which involved the creation of special purpose entities) from an institutional investor, and the associated intercreditor, interparty, and other related third-party issues.

      • back to top
    • News
      • October 17, 2017

        Robinson+Cole Lawyers Recognized by Super Lawyers®

        • » more info
        • View article
      • August 15, 2017

        Fifty-Nine Robinson+Cole Lawyers Listed in The Best Lawyers in America© 2018

        • » more info
        • View article
      • May 4, 2017

        Finance Group Hosts Retreat at New Dunkin' Donuts Park

        • » more info
      • January 18, 2017

        Norman Roos Moderates Legislative Update Panel at New England Mortgage Expo

        • » more info
      • November 29, 2016

        Robinson+Cole Recognized for Work on “Deals of the Year”

        • » more info
        • View article
      • November 18, 2016

        Robinson+Cole Elects New Partners

        • » more info
        • View article
      • October 18, 2016

        Robinson+Cole Lawyers Recognized by Super Lawyers®

        • » more info
        • View article
      • October 14, 2016

        Norm Roos Elected Secretary of American College of Mortgage Attorneys

        • » more info
      • October 3, 2016

        Norman Roos Moderates 2016 CMBA Legislative Update Seminar

        • » more info
      • September 13, 2016

        Robinson+Cole Presents Annual Awards for Dedication and Outstanding Contributions

      • August 15, 2016

        Robinson+Cole Receives Top Listing in Connecticut Lawyer Count in The Best Lawyers in America® 2017

        • » more info
        • View article
      • June 21, 2016

        Robinson+Cole Welcomes Thirteen New Lawyers

        • » more info
        • View article
      • June 17, 2016

        Robinson+Cole Lawyer Co-authors Connecticut Chapter of Commercial Lending Law: A Jurisdiction-by-Jurisdiction Guide to U.S. and Canadian Law

        • » more info
      • May 24, 2016

        Norman Roos Writes Article for Hartford Courant's HomeFinder Supplement

        • » more info
      • February 1, 2016

        Robinson+Cole Forms Sustainability Cross-Practice Team

        • » more info
        • View article
      • January 21, 2016

        Patrick Birney Writes Article on Make-Whole Premiums for Norton Journal of Bankruptcy Law and Practice

        • » more info
      • January 19, 2016

        Norman Roos Presents at New England Mortgage Expo

        • » more info
      • October 23, 2015

        Norman Roos Moderates TRID Seminar at CT Realtors Leadership Conference

        • » more info
      • October 19, 2015

        Robinson+Cole Lawyers Recognized by Super Lawyers®

        • » more info
        • View article
      • October 8, 2015

        Robinson+Cole Welcomes 10 New Lawyers

        • » more info
        • View article
      • September 9, 2015

        Norman Roos Moderates 2015 CMBA Legislative Update Seminar

        • » more info
      • August 18, 2015

        Robinson+Cole Receives Top Listing in Connecticut Lawyer Count in The Best Lawyers in America® 2016

        • » more info
        • View article
      • June 29, 2015

        Robinson+Cole Hosts Young Lenders Happy Hour

        • » more info
      • April 1, 2015

        Norm Roos Edits ACMA Publication

        • » more info
      • January 23, 2015

        Finance Lawyer Comments on 2015 Prospects of Connecticut Housing Recovery

        • » more info
      • December 5, 2014

        Norm Roos Profiled in Commercial Record

        • » more info
      • December 4, 2014

        Robinson+Cole Elects New Partners and Counsel

      • November 20, 2014

        Norman Roos Quoted in Commercial Record

        • » more info
      • November 18, 2014

        Join Robinson+Cole at the 4th Annual Economic Forum

        • » more info
      • November 18, 2014

        Robinson+Cole Lawyers Honored as “New Leaders in the Law” at Celebration Dinner

        • » more info
      • October 2, 2014

        Robinson+Cole Lawyers Named “New Leaders in the Law”

        • » more info
        • View article
      • September 29, 2014

        Norman Roos Moderates, Speaks at ACMA Annual Meeting

        • » more info
      • September 1, 2014

        Norman Roos Moderates 2014 CMBA Legislative Update Seminar

        • » more info
      • August 25, 2014

        Robinson+Cole Launches HigherEdWire – News for legal counsel

        • » more info
        • View article
      • August 11, 2014

        Taylor Shea Elected to My Sisters' Place Board of Directors

        • » more info
        • View article
      • July 17, 2014

        Robinson+Cole Welcomes Six New Lawyers

        • » more info
        • View article
      • June 30, 2014

        Norman Roos Moderates CMBA Legislative Webinar

        • » more info
      • May 7, 2014

        Mike Enright Presents at Annual Meeting of ABA's Business Law Section

        • » more info
      • February 19, 2014

        Mandy Eckhoff Selected as One of Boston's Future Leaders

        • » more info
      • December 23, 2013

        Norman Roos Speaks at Mortgage Servicing Compliance Forum

        • » more info
      • December 4, 2013

        Norman Roos Writes Article for Hartford Courant

        • » more info
      • November 18, 2013

        Michael Maglio Speaks at CBA Meeting

        • » more info
      • November 1, 2013

        Robinson & Cole Receives 34 First-Tier Metropolitan Rankings and Three National Rankings in U.S. News – Best Lawyers Survey

        • » more info
        • View article
      • October 21, 2013

        Super Lawyers® Names 61 Robinson & Cole Attorneys to 2013 List

        • » more info
        • View article
      • October 8, 2013

        Norman Roos Moderates CMBA Legislative Update Seminar

        • » more info
      • September 23, 2013

        Hartford Lawyer Pens Article on Eminent Domain for Underwater Mortgages

        • » more info
      • August 27, 2013

        Robinson & Cole Lawyers Provide Commentary in Law360

        • » more info
      • August 16, 2013

        Robinson & Cole Receives Top Listing in Connecticut Attorney Count in Best Lawyers National Peer Review Survey

        • » more info
        • View article
      • May 8, 2013

        John Lynch and Keith Stover Quoted in Connecticut Law Tribune

        • » more info
      • March 21, 2013

        Robinson & Cole Attorneys Selected for Top Women Attorneys in Massachusetts

        • » more info
        • View article
      • February 28, 2013

        Robinson & Cole Lawyer Co-Authors Connecticut Chapter of The Law of Guaranties Guide

        • » more info
      • February 20, 2013

        Norman Roos Authors Article in the Hartford Courant

        • » more info
      • February 1, 2013

        Norman Roos Moderates and Speaks at The New England Mortgage Expo

        • » more info
      • January 22, 2013

        Norman Roos Quoted in Connecticut Post

        • » more info
      • January 18, 2013

        Robinson & Cole Announces 2013 Counsel Promotions

      • December 4, 2012

        Norm Roos Delivers Presentation on Electronic Recording and Mortgage Licensing

        • » more info
      • October 18, 2012

        Robinson & Cole Attorney Norman Roos Receives Inaugural NEMBC Hall of Fame Award

        • » more info
        • View article
      • September 14, 2012

        Ten Robinson & Cole Attorneys Selected as “Lawyers of the Year”

        • » more info
        • View article
      • September 12, 2012

        Norman Roos Talks with the Commercial Record About New Consumer Financial Protection Bureau Mortgage Disclosure Rules

        • » more info
      • August 28, 2012

        Robinson & Cole Receives Top Listing in Connecticut Attorney Count in Best Lawyers National Peer Review Survey

        • » more info
        • View article
      • July 19, 2012

        Attorneys Advise Commercial Lenders on What They Need to Know

        • » more info
      • April 30, 2012

        Finance Partner’s Article on SAFE Act and Truth in Lending Act Published in Hartford Courant

        • » more info
      • April 9, 2012

        CFPB Issues Bulletin on Application of Compensation Rules to "Qualified Plans" - Payments to Qualified Plans Permitted

        • » more info
      • February 8, 2012

        Norm Roos Presents Webinar on What Lenders Need to Know About Regulatory Compliance

        • » more info
      • November 17, 2011

        Finance Partner Moderates at Connecticut Mortgage Bankers Association Legislative Update Seminar

        • » more info
      • November 4, 2011

        Bankers Want Feds to Lay Off is the Message at Connecticut Mortgage Bankers Association Forum

        • » more info
      • October 28, 2011

        Finance Attorneys Discuss Dodd–Frank and SAFE Acts at Affordable Housing Conference

        • » more info
      • January 11, 2011

        Robinson & Cole Elects New Partners

      • December 17, 2010

        Attorneys Reelected to Connecticut Chapter Board

        • » more info
      • December 15, 2010

        A Look at New Regulations for Loan Originator Compensation

        • » more info
      • November 8, 2010

        Program Examines Impact of the Dodd Frank Act on Non-financial Businesses

        • » more info
      • November 2, 2010

        Finance Partner Selected to Serve on Connecticut Law Revision Commission Advisory Committee

        • » more info
      • October 28, 2010

        Robinson & Cole Managing Partner Joins Board of Connecticut Business & Industry Association

        • » more info
      • October 21, 2010

        Mortgage Banking Lawyer Comments on Proposed Freeze on Foreclosures in State Courts

        • » more info
      • October 13, 2010

        Timeshare Financing Transactions Will Not Bear Full Brunt of Dodd-Frank Act

        • » more info
      • August 5, 2010

        Norman H. Roos and James R. Kinyon Present on Mortgage Lending Laws

        • » more info
      • June 30, 2010

        Patrick Birney Leads Off Bankruptcy Law360 coverage of Schwab v. Reilly

        • » more info
      • May 11, 2010

        Robinson & Cole Attorney Speaks on Bankruptcy Panel During Business Law Program

        • » more info
      • April 23, 2010

        Robinson & Cole Attorney Speaks on Forbearance Agreements at Real Estate Finance Association Program

        • » more info
      • March 30, 2010

        Robinson & Cole Attorney Quoted in The Commercial Record on Bank Efforts to Raise Cash

        • » more info
      • February 2, 2010

        Robinson & Cole Attorneys Elected to Board of Directors of Turnaround Management Association’s Connecticut Chapter

        • » more info
      • September 25, 2009

        Robinson & Cole Attorneys Address Legislative Developments Before the Connecticut Mortgage Bankers Association

        • » more info
    • Publications + Presentations
    • "CMBA Legislative Update—The CMBA Presents: Coping with the Aftermath of 'Dodd-Frank' While Contemplating the 'Age of Trump'—The Mortgage Industry in a State of Flux?" presented by Norman H. Roos, moderator, at the New England Mortgage Expo at the Mohegan Sun Convention Center in Uncasville, Connecticut (1/13/2017)
      • » more info

      "Connecticut Mortgage Bankers Association's (CMBA) Annual Legislative Update Seminar," presented by Norman H. Roos, moderator, held in New Britain, Connecticut (9/8/2016)
      • » more info

      "Connecticut Commercial Lending Law," published in Commercial Lending Law: A State-By-State Guide, authored by Michael F. Maglio (2016)
      • » more info

      "It Is Time For the Mortgage Industry and Its Regulators to Move On and Leave the Crash Behind," published in Hartford Courant, authored by Norman H. Roos, featured in the HomeFinder supplement (5/13/2016)
      • » more info
      • View article

      We are pleased to introduce our Sustainability Team (4/11/2016)

      Finance Regulatory Update (10/1/2015)

      "Connecticut Mortgage Bankers Association's (CMBA) Annual Legislative Update Seminar," presented by Norman H. Roos, moderator, held in New Britain, Connecticut (8/27/2015)
      • » more info

      Debtor’s Founder Ordered to Turn Over Social Media Accounts (7/15/2015)

      § 363 Sale Order Protects New GM from Most Ignition Switch Claims (April 2015)

      "Perfecting Security Interests in a Debtor's Insurance Policy," published in American Bankruptcy Institute Journal, authored by Patrick M. Birney (April 2015)

      "A Career Spent in Compliance," published in The Commercial Record, an interview (11/27/2014)
      • » more info

      "A Career Spent in Compliance," published in The Commercial Record, authored by Norman H. Roos, an interview that highlights Mr. Roos's long career along with his reputation "as one of Connecticut banks' most trusted advisors when it comes to regulations and compliance" (11/27/2014)

      Secured Party Loses Challenge To UCC-3 It Approved (Oct 2014)

      "Federal Bank Regulatory Developments Affecting Commercial Real Estate Lending," presented by Norman H. Roos, moderated and also presented at this regulatory panel presentation at the Annual Meeting of the American College of Mortgage Attorneys (9/19/2014)

      "Connecticut Mortgage Bankers Association's Legislative Update Seminar," presented by Norman H. Roos, moderator, held in New Britain, Connecticut (8/20/2014)

      Robinson+Cole's Education Group Launches HigherEdWire LinkedIn Group (8/11/2014)

      "2014 Connecticut Legislative Update," presented by Norman H. Roos, a webinar, moderated with Fritz Conway of Gaffney Bennett & Associates (6/11/2014)

      2014 Q1 Business Transactions Deal Report (5/22/2014)

      Flexible Valuation and Postpetition Interest (4/25/2014)

      "Current Developments in Bankruptcy," presented by Michael R. Enright, served as a panelist at the American Bar Association's 2014 Spring Meeting of the Business Law Section in Los Angeles (4/11/2014)

      Financial Institutions and Social Media: Staying Current and Staying Compliant (01/24/2014)

      "What’s in Store for the Mortgage Industry 2014," at The New England Mortgage Expo in Ledyard, Connecticut, presented by Norman H. Roos, moderated the CMBA legislative panel; in addition, presented a "Connecticut Legislative Update" (1/17/2014)

      "Connecticut Mortgage Bankers Association's Legislative Update Seminar," presented by Norman H. Roos, moderator (10/24/2012)

      "New Regulations Put a Crimp in Mortgage Industry," published in The Hartford Courant, authored by Norman H. Roos (4/13/2012)

      "The Changing Regulatory Environment," at Housing 2011, the annual conference of the Connecticut Housing Coalition, presented by Norman H. Roos (10/19/2011)

      "Loan Originator Compensation – New Regulation Z Rules," at Connecticut Mortgage Bankers Association Meeting at Webster Bank in New Britain, Connecticut, co-presented by Norman H. Roos and Catherine Moreton Gray; attorneys from Bankers Advisory, Inc., and Webster Bank (12/7/2010)

      Financial Reform Act Expands SEC's Enforcement Powers and Liability for Securities Violations (08/17/2010)

      Dodd-Frank Financial Reform Act Legal Update (08/12/2010)

      NYSE Rule Prohibits Discretionary Broker Voting on Uncontested Director Elections (04/23/2010)

      New Federal Guidance for Lenders Supports Workouts over Foreclosures (12/30/2009)

      Letters of Credit - How a Seller Can Ensure Payment Even in a Bad Economy (04/01/2009)

      "2008 Connecticut Laws Enable Homeowners to Obtain Mediation in Foreclosures: Some Basic Information Concerning the Mediation Process," published in Hartford Courant, authored by Norman H. Roos, Real Estate Supplement (12/2008)

      Business Litigation Group Education Series (09/19/2008)

      "Anticipated Legislative Changes in the Mortgage Industry and Possible Relief to Borrowers," published in The First-Time Home Buyer Magazine, authored by Norman H. Roos (6/2008)

      "Connecticut Mortgage Bankers Association's Legislative Update Seminar," presented by Norman H. Roos, moderator (10/26/2011)

      "Ten Things Commercial Lenders Should Know About Regulatory Compliance," co-authored by Norman H. Roos and Travis R. Searles, published in Connecticut Banking magazine (Second Quarter 2012)

      "Pending 2009 Connecticut Legislative Proposals Affecting the Residential Mortgage Lending Industry,," at the Connecticut Mortgage Bankers Association's Compliance and Legislative Forum in New Britain, Connecticut

Our Team

Chair

Members