Biography
Jerry Blanchard is a partner in the Atlanta office of Bryan Cave LLP. Blanchard has a broad financial institution practice which covers three major areas. The first area of expertise involves advising senior management and bank boards on strategic decisions and providing guidance on a wide variety of legal and regulatory issues, including bank core functions such as ACH, deposits, loan forms, deposit insurance, check and wire fraud, collateralizing public deposits, vendor agreements, and the development of new financial products and services. This includes documenting all types of products and transactions touching financial institutions, including agreements for treasury management, remote deposit, lockbox, wire transfer, deposit accounts, mobile banking, merchant acquirer, mortgage broker/correspondent lending, support services, card portfolio servicing, signature cards, consulting, confidentiality agreements, cash vault, master services, sweeps, swaps, ISDA Master Agreements, repurchase agreements, custodial, referral fees, insurance sales, document retention, electronic signatures, and card issuing agreements.
His second area of expertise involves credit transactions of all kinds, including loan agreements, put agreements, guaranties, subordination agreements, environmental indemnities, assignments, security agreements, stock purchase agreements, pledge agreements, hypothecation agreements, real estate and commercial loans, asset based lending, acquisition facilities, letter of credit facilities, bank holding company loans, church loans, construction loans, asset based lending, private banking and related transactions such as interest rate swaps, loan participations, stock secured margin loans, inter creditor agreements, and individual and portfolio loan sales.
The final area is in the area of problem loan workouts, bankruptcy, loan restructurings, forbearance agreements, settlement agreements, discounted payoff agreements, short sales, collections, receiverships, foreclosure, lender liability and distressed loan purchases and sales both individually and in portfolios, purchase and sale agreements for assets acquired through foreclosure including stock, art, intellectual property, shopping centers, convenience stores, hotels, buildings, land, equipment and accounts receivable.
He advises clients on managing legal and reputational risk and enterprise risk management. He has dealt extensively with state and federal laws and regulations such as usury, legal lending limits, Bank Secrecy Act, Community Reinvestment Act, Federal Deposit Insurance Act, Bank Holding Company Act, Bank Merger Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Electronic Fund transfers Act, Gramm-Leach-Bliley, Dodd-Frank Act, Bankruptcy Code, Reg B, Reg E, Reg U, Reg O, Reg T, Reg W, Reg X, Reg Z, the Volcker Rule, CERCLA, underground storage tank regulations, CFTC eligible contract participant regulations for swaps, anti-tying, privacy laws and Sarbanes-Oxley. He has dealt extensively with the regulations developed as a result of Basel III, including liquidity coverage ratios and HVCRE. He has counseled institutions dealing with various levels of regulatory enforcement actions including Cease and Desist Orders and Consent Orders and has worked extensively with both state and federal bank regulatory agencies.
He is the author of "Lender Liability: Law, Practice and Prevention" and is co-author of "Problem Loan Workouts," both published by West, and is a frequent speaker in the areas of board practices, current banking issues, loan documentation, bankruptcy, and lender liability and is experienced in the investigation of financial frauds and scams.