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Banking, Financial, and Securities. Regulation D

Financial Guidance from Experienced Counsel Our attorneys have the knowledge and experience to help you navigate the most complex banking and finance matters. Whether client's are involved a lending, syndication, or a secured transaction matter it is important for every client to have the assistance to match their goals. Contact Zamzow Fabian PLLC early in your planning so that we may maximize results and minimize risk.

Both Michigan and the Federal Government broadly and highly regulate financial transactions and planning:

Although most individuals and businesses treat the administration and execution of financial records and demands as an informal routine matter, in many cases the situation is deceivingly complex and judicially enforceable against an innocent party if handled incorrectly. Whether your matter involves a garnishment or UCC filing, move timely and accurately—from principal action to third-parties.
Agency Lending (Fannie Mae, Freddie Mac, HUD, etc.) Multifamily transactions originated by the secondary market are attractive financing instruments for many reasons. Zamzow Fabian PLLC has experience representing clients in matters ranging from simple executions to complex transactions. Our attorneys understand each agency’s specific requirements and have the skills to navigate these complexities. Areas of representation include: construction and permanent loans, leasehold financing, bond financing, affordable transactions and subordinate debt, senior housing transactions and other specific products.
Collections We understand that the collection of outstanding debt is an important part of any successful business. Our collections lawyers are experienced in efficient debt collection through garnishment, lien practice, and property seizure.


Garnishments Contrary to popular belief garnishments are not informal nor are they routine business matters. Wise employers must consult with advice of counsel. A writ of garnishment is a complex and judicially enforceable. Failing to administer the garnishment as a garnishee defendant is severe: by not acting timely and accurately a default judgment against the employer for the full amount of the debt can be entered by the creditor. As an employer you must be nimble and prepared to consult with your trusted counsel, it may be wise to take action before a garnishment arises by creating a plan with your attorney now.

See Zamzow Fabian PLLC employment lawyers for more information regarding these areas.
Commercial Lending We represent lenders and borrowers in a wide range of issues including:

- Secured and unsecured transactions;

- Loan origination;

- Evaluating and documenting transactions (opinion letters); and

- Loan workouts.


Zamzow Fabian PLLC is experienced with assisting employers and other garnishee defendants through all levels of potential Michigan garnishment process.
Commercial Real Estate Finance We represent clients in all types of complex financing transactions, including:

- Acquisition and Development Loans

- Construction Loans

- Secured and Unsecured Lines of Credit

- Preferred Equity Transactions

- Syndication (Private Offerings)

- Mezzanine Loans

- Affordable Housing Loans

- Bond Financing

- Tax Increment Financing
Securities Regulation Pursuant to the Securities Act of 1933, any offer to sell an interest in the form of a security must be registered unless the offering meets an exception. Three exemption rules are found under Regulation D. Exemptions allow some companies to offer and sell its securities without also needing to register (beyond certain filings). Other times, in certain circumstances, syndication outside of the SEC is not an option, and during initial offerings, filing with the SEC is mandatory. Following these exemptions is key to complying with state and federal law, without exact compliance, registration is necessary. Each investor offering is unique and requires detailed information to fully understand the complete matter; your attorney must understand your end goal, as well as your plan to truly provide valuable assistance. Take a look at the SEC regulations to determine what your offering requires.
Secured Transactions
(Uniform Commercial Code Article 9)
Generally, UCC Article 9 applies to transactions that create an interest in personal property, fixtures, agricultural property, and intangible accounts. Collateral ensures you get paid in property or in money, proper filings will preserve your priority and minimize your loss in the event of default. Any time a party loans money to an individual or business, with the expectation that anything will be substituted for money on default be sure to record your interest. Failing to properly record your interest can result in total loss of return on the loan.
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Grand Rapids, Michigan 49503
United States of America

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