News & Analysis as of May 11, 2025

Loan Modifications › Debt Restructuring

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Loan modifications are changes made to the terms of an existing loan outside the specifications contained in the original loan agreement. In a mortgage situation, loan modifications are typically made to assist... more +

Loan modifications are changes made to the terms of an existing loan outside the specifications contained in the original loan agreement. In a mortgage situation, loan modifications are typically made to assist borrowers in meeting their obligations and avoid foreclosure. Such mortgage loan modifications may include reduction of principal amount or interest rate, lengthening of loan term, and monthly payment caps. less -

Workouts That Work: Strategic Alternatives to Foreclosure

Shipman & Goodwin LLP on 5/2/2025

Our new insightful and informative series, “Protecting Lenders: Strategic Responses to Borrower Default," is designed to provide comprehensive guidance on managing borrower defaults effectively. This four-part series covers...more

[Hybrid Event] Navigating the Distressed Commercial Real Estate Environment Ahead: Out of Court Considerations - June 7th, New...

Vinson & Elkins LLP on 5/31/2023

In this program, attorneys in the Restructuring & Reorganization, Real Estate, Tax, and REIT Capital Markets practices discuss the various out of court considerations that commercial real estate enterprises will want to...more

10 Key Considerations for Commercial Real Estate Loan Restructurings: A Primer

Womble Bond Dickinson on 7/21/2020

The tragic and widespread effects of COVID-19 continue to unfold on a daily basis. The pandemic’s impact from both a public health and economic perspective has been literally unfathomable. For commercial real estate owners,...more

Tax Planning for Debt Relief

Miles & Stockbridge P.C. on 4/23/2020

The coronavirus has had an adverse impact on many businesses and affected their ability to meet financial obligations. To relieve financial strain, business owners have various options to discharge debt, modify loans and...more

Financial Regulators Update Previous Statement on Loan Modifications and Reporting Pursuant to CARES Act

Burr & Forman on 4/10/2020

On April 7, 2020, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Consumer...more

Joint Agency Statement Issued Regarding Residential Mortgage Loan Modifications and Troubled Debt Restructuring

Orrick - Finance 20/20 on 4/10/2020

On March 22, the Board of Governors of the FRB, FDIC, the National Credit Union Administration, OCC, CFPB and the State Banking Regulators issued an interagency statement encouraging financial institution cooperation with...more

Need a Loan Modification? ASK! - Guidance on the CARES Act and Banking

Maynard Nexsen on 4/6/2020

The Coronavirus Aid, Relief, and Economic Security Act or the “CARES Act” along with recent guidance from bank regulators have increased the flexibility banks can offer to borrowers and created new opportunities for lending....more

Waivers, Deferrals and Changes to Tax-Exempt Bonds During COVID-19

Orrick, Herrington & Sutcliffe LLP on 4/6/2020

Given the economic impact of COVID-19 and the ongoing uncertainty of how long it will last, borrowers of tax-exempt bond proceeds may find themselves in the position of requesting their lenders to temporarily waive certain...more

Loan Modifications Due to COVID-19 Pandemic: FDIC Answers CARES Act FAQs

White and Williams LLP on 3/31/2020

In support of financial institutions and borrowers during the COVID-19 pandemic, the newly enacted Coronavirus Aid, Relief, and Economic Security Act (CARES Act) includes a number of provisions permitting lenders to suspend,...more

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