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The Law Offices of Alan Abergel, P.C. (“LOAA”) provides legal services to financial services companies in Texas in matters involving licensing, regulatory compliance, contract drafting, administrative enforcement defense, administrative hearings, and related civil regulatory matters.
LOAA represents regulated financial institutions, fintech companies, lenders, and financial services providers across a broad range of industries and regulatory frameworks.
LOAA provides legal services to participants in the following financial services industries:
Providers of consumer credit and commercial credit
Texas credit card issuers
FinCEN-regulated money services businesses
Equipment leasing and finance companies
Commercial lenders and private lenders
Companies issuing securities in private or non-public offerings
LOAA assists financial services companies with licensing, registration, and ongoing compliance matters involving Texas and federal regulators, including:
Licensing and registration strategy and filings
Regulatory compliance counseling
Drafting compliance policies and procedures
Transaction structuring and regulatory planning
Ongoing regulatory advisory services
Legal Opinions: LOAA provides legal opinions to individuals and businesses that need a legal analysis of whether their activities require a Texas financial regulation license and which one and under which classification. These opinions involve a detailed examination of the services provided, the compensation structure, the relationship between the service provider and the customer, and the specific statutory definitions and exemptions. A well-reasoned legal opinion provides the client with a documented basis for its compliance position and can serve as evidence of good faith in the event of a future Texas agency regulatory inquiry about whether the client's activities constitute unlicensed practice.
LOAA drafts and reviews financial services documentation, including:
Loan agreements and promissory notes
Consumer and commercial credit contracts
Disclosure documents required by state and federal law
Financial services agreements and operational documents
Securities offering documents and investor agreements
LOAA represents financial services companies in regulatory matters involving:
Administrative hearings, proceedings, and investigations before the Office of Consumer Credit Commissioner (OCCC)
Proceedings before the Texas Department of Banking (DOB)
Proceedings before the Texas Department of Savings and Mortgage Lending (DSML)
Investigations and enforcement actions by the Texas State Securities Board
The firm advises clients on regulatory response strategies, compliance remediation, and enforcement risk mitigation.
LOAA represents financial services companies in securities and capital raising matters, including:
Private securities offerings and exemptions
Investor disclosures and offering documentation
Securities compliance issues for lenders and financial institutions
Representation of securities dealers, agents, and investment advisers
LOAA advises fintech companies, virtual currency businesses, and emerging financial services providers on:
Licensing and regulatory classification
State and federal financial services laws
FinCEN compliance and MSB registration
Transaction structuring and compliance frameworks
LOAA provides transactional, licensing, compliance, administrative, and civil regulatory defense legal services to financial services companies.
“I engaged Alan to help me through the complexities of obtaining my Lenders License. He was very knowledgeable about the process and provided me with a high level of service. I worked quickly getting him all the information needed and he worked at my pace. He was responsive to e-mails and questions and followed up with the DFPI to make sure everything was filed correctly. I had read online that this process could take as long as 6 months however Alan completed the assignment in less than 3 I will be retaining his services in the future to ensure my company remains in compliance."
--Petroleum Realty Group Inc.
"I hired Alan to represent me as a mortgage broker before the California Department of Real Estate. I couldn't be more pleased with Alan's services from start to finish. Alan was clear and concise. Alan's communication throughout the process was professional. I received the results I hoped for. Thank you Alan. I'll definitely recommend you to ALL and use your services again in the future shall I need anything!"
-Anonymous
"Very helpful in assisting in obtaining an OCCC Texas Motor Vehicle Sales Finance License. Very knowledgeable in answering all questions the OCCC asked for on their questionnaire. Highly recommended and would re-hire for any future assistance regarding motor vehicle and finance business. God Bless!"
-Raul
