Banking law encompasses how banks conduct business of accepting deposits and using such funds to make extensions of credit or investments for the bank accounts and must comply with a myriad of federal, provincial and domestic regulations.

Bank regulation, on the other hand, is a form of government regulation which subjects banks to certain requirements, restrictions and guidelines, designed to create market transparency between banking institutions and the individuals and companies with whom they conduct business, among others.

We deal with the matters relating to borrowing, raising or taking up of money, the lending or advancing of money either upon or without security, all kinds regarding bills of exchange, hundis, promissory notes, coupons, drafts, bills of lading, railway receipts, warrants, debentures, certificates including participation term certificates, modaraba & musharika certificates etc. and dealing in bullion and species, buying and selling of foreign exchange including foreign bank notes, the acquiring, holding, issuing on commission, underwriting and dealing in stock, funds, shares, debentures, bonds, obligations and securities, all kinds of investments, the receiving of all kinds of bonds, scripts or valuable deposits.


Our team of banking & finance lawyers arrange loans to buy other companies, or to finance new business ventures. They also give legal advice, and work on a variety of corporate and finance related cases. Our banking and finance lawyers work for either a borrower (an individual or a company), or a lender (usually a bank).


Modern banking today is regulated by a sophisticated set of laws and regulations that are constantly evolving. Banking law and practice deliberates a range of topics that have a direct bearing on the day-to-day operations of banks, from contracts to how to ensure safe and secure lending.

Banking practice hereby means that business segment of the seller focusing primarily on compensation consulting for community banks, executive and director benefits programs, and bank-owned life insurance to the bank market, including incentive consulting and working with banks in the design of ownership succession programmes.

Our banking law firm concentrates all of its resources and professional efforts in the specialised field of Federal bank regulatory law. The firm places particular emphasis upon and specialises in the defense of Federally insured financial institution and their officers and directors in all matters pertaining to supervisory bank examinations conducted by all of the Federal bank regulatory agencies to assess compliance with all applicable Federal banking laws, rules and regulations governing the operations of such institutions.


Banks perform a variety of operations ranging from basic or primary functions like day-to-day transactions at a branch to others that maybe the agency or general utility services in nature. The transactions that are incidental to revenue / sales or sustaining the business are an important element of the banking industry value chain.

Banks perform various types of transactions and activities to support the running affairs of their banking business. These transactions may include making or accepting payments, trading, clearing and settlement of accounts, and custody. Knowing the operational aspects of banking is very important for understanding the value chain of the banking industry. The key operational activities are inclusive of acceptance of deposits, lending of funds, clearing of cheques, remittance of funds, lockers & safe deposits, bill payment services, online banking services, credit & debit cards, overseas banking services, wealth management, investment banking and social objectives.


The caliber of the firms’ defensive assistance services has been highly regarded by banking institutions throughout Pakistan, including in-house counsel and regularly retained attorneys for such institutions. The firm also provides assistance in all types of regulatory applications to the Federal banking agencies, as well as defensive assistance in personal civil liability actions instituted against officers and directors of financial institutions for alleged breaches of their legal duties and responsibilities as officers or directors of such institutions.

IZYANLAW & ASSOCIATES provides services around the country to money-center banks, savings and loans, insurance companies, finance companies, institutional investors, investment banks, private banking and trust operations, credit unions, mortgage banking and brokerage companies, and international and foreign banks institutions.

Our banking law and financial services group represents banks, mortgage companies, other institutional lenders, businesses and individuals in connection with all aspects of banking law and financial services. Our attorneys in this group handle real estate, commercial lending, and consumer transactions, both secured and unsecured. They assist clients on issues relating to the consumer lending laws, servicing agreements, brokerage agreements, wholesale agreements and funding agreements, and negotiate and prepare loan documentation.

Our group also represents banks, mortgage companies and other lenders on issues involving federal and provincial regulations, new bank charters, holding company formations, conversions, new or acquired branch applications, mergers, acquisitions and licensing / qualification in jurisdictions throughout the country. It also handles all aspects of secondary market transactions, including portfolio purchases, servicing agreements, securitized financing acquisitions and all of the many business and real estate issues which arise in such transactions.


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