Jacob A. Lutz III


Troutman Pepper Hamilton Sanders LLP
1001 Haxall Point
15th Floor
Richmond, VA 23219

Tel: 804.697.1490

Email: jake.lutz@troutman.com
Web: www.troutman.com

Jake advises clients regarding regulatory developments and compliance with complex banking laws and regulations, mergers and acquisitions, corporate governance, and securities law matters. This work frequently involves the formation, structuring and restructuring of capital in transactions such as new equity or debt offerings, including subordinated debt, stock repurchases, reverse stock splits and going private transactions. Jake is a former attorney with the FDIC in its Washington, D.C. headquarters and Atlanta regional office. Jake’s experience in these critical areas makes him a valuable strategic advisor on banking mergers and acquisitions, on both the buy side and the sell side.

Financial institutions also look to Jake for guidance on charter selection issues, including charter conversions and holding company reorganizations, and the formation of new entities, including national banks, state banks and thrift institutions, and their holding companies and affiliates, including non-bank affiliates and subsidiaries. Jake has served as counsel in the formation of dozens of state and national de novo banks.

In these and other transactions, Jake advises his clients through negotiations with federal and state regulatory agencies. When necessary, he assists clients regarding regulatory enforcement agreements, including cease and desist orders, formal agreements, supervisory agreements, civil money penalty actions and related matters. He also advises clients regarding corporate governance, operations, and other critical issues and developments affecting banks and other financial services companies.

Jake served as a member of the State Council of Higher Education for Virginia, the coordinating entity for all public and private institutions in Virginia. He is also a former rector and board member of Virginia Tech, a major land grant research university, and has served on multiple other boards and committees at Virginia Tech and elsewhere. Jake advises public and private colleges and universities in connection with regulatory and compliance matters, accreditation issues, internal audits and reviews, and related matters.

Troutman Pepper offers comprehensive support to financial services businesses in today’s challenging and ever-changing environment. Consistently recognized as a leading service provider to all segments of the financial services industry, we provide timely and practical counsel to guide clients with their most important decisions.

We serve businesses across the financial services spectrum – national, regional and community financial institutions, auto and other consumer lenders, mortgage lenders and servicers, commercial lenders, payment processors, financial technology companies, and a host of other financial services providers – as well as corporate borrowers and others engaged in complex financing matters. These clients look to us for industry-leading counsel on the most crucial aspects of their business, from structuring major transactions to dealing with regulatory scrutiny.

We provide the full range of corporate and transactional services for our clients, representing them in transformative mergers and acquisitions, charter selection and licensing issues, formation of new banks and other entities, capital markets transactions, and corporate governance and operational advice. For both lenders and borrowers, we create and execute transactions involving all financing structures and funding models. We also are a destination firm for secured lenders, special servicers, indenture trustees, and creditors of all types in every aspect of restructurings, workouts, bankruptcies, distressed asset sales and insolvency-related litigation.

We have decades of experience advising financial services clients on all aspects of federal and state regulatory compliance, as well as government investigation and regulatory enforcement matters. We have particularly deep experience in consumer finance, developing compliance strategies, programs and policies, and conducting audits for compliance with federal and state consumer protection laws. Supported by dedicated class action defense, state attorneys general and regulatory practices, we help our clients successfully navigate regulatory changes, government investigations and litigation, and private lawsuits ranging from individual claims to national class actions.

In addition, Troutman Pepper is widely regarded as the go-to legal resource for lenders and loan servicers for multi-family housing finance in the United States, with attorneys experienced in the use of tax credits, tax-exempt bonds, Fannie Mae, Freddie Mac, FHA/HUD programs, Ginnie Mae, and private conduits in mortgage securitization as well as all other aspects of multi-family housing finance.

Recognized for Banking Law, Who’s Who Legal USA (2000-present), Recognized as a Top Lawyer in America (2008-present), Super Lawyer, Banking Law, Virginia Super Lawyers (2006-present)
Honors & Recognition