Kobayashi, Sugita & Goda provides general and specialized legal services to our financial institution and mortgage brokerage clients.

Corporate Compliance
Our Corporate Compliance practice area covers the interpretation and application of state and federal banking laws, state insurance laws as well as issues affecting the operations and procedures of financial institutions. We advise clients as to the proper procedures and protocols involved in securing necessary approvals from the State Commissioner of Financial Institutions, the Federal Deposit Insurance Corporation or the Board of Governors' Federal Reserve System.

Consumer Compliance
In the field of bank regulatory work, Kobayashi, Sugita & Goda specializes in the areas of consumer credit and deposit compliance for various financial institutions. In particular, we have provided legal counsel in matters relating to Truth in Lending, Real Estate Settlement Procedures Act, Interstate Land Sales Full Disclosure Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, Fair Housing Act, Gramm-Leach-Bliley Act and other consumer credit areas, including their accompanying state statutes and regulations. With respect to deposit accounts, we have provided legal counsel on Reserve Requirements and Limits on Withdrawals, Trust in Savings, Expedited Funds Availability Act, Electronic Fund Transfers, Bank Security, Right to Financial Privacy and other consumer deposit areas, along with accompanying state statutes and regulations. In addition, we have provided legal counsel on the sale of insurance by financial institutions and other related matters. Attorneys working in this area regularly attend state and national seminars and conferences on regulatory matters, including annual American Bar Association and American Bankers Association meetings.

Loan Documentation
We provide a full range of loan documentation services, ranging from large development and construction commercial loans to residential loans. Loan documentation services are provided to a major Hawaii bank, a major Hawaii insurance company, major mainland insurance companies, and a commercial mortgage brokerage company servicing mainland and foreign lenders.