Bankruptcy and the New Uniform Special Deposits Act: Insulating Depositor Funds From the Reach of Most Creditors

Mr. Guida is part of the firm’s banking and finance, business law, and real estate law teams. He has been providing legal services to institutional banking clients throughout New England for more than three decades, and previously served as in-house counsel for two major banks. Mr. Guida is known for his precision in complex financing transactions, often representing institutional lenders and borrowers — including major banks — in deals involving historic redevelopment, economic development bonds, affordable housing, and private business acquisition and expansion. He has established a special expertise in the financing of healthcare provider transactions. Mr. Guida is experienced in sophisticated syndicated and participated deals, representing lead and agent bank lenders. He also represents major real estate developers in their project development, permitting, borrowing and leasing transactions, including major development projects within the Capital Center District in downtown Providence. Mr. Guida brings to the table a wealth of alternative financing options that help divergent parties reach mutually beneficial accord and compromise during the negotiation process.

Mr. Harbour regularly represents all major constituencies in formal bankruptcy proceedings and in out-of-court restructurings. His experience includes representing corporate debtors, secured and unsecured creditors, parties to safe harbored financial contracts, indenture and securitization trustees, lessors, and other parties in interest in Chapter 7, Chapter 11 and Chapter 15 bankruptcies, and in workouts. Mr. Harbour’s practice also focuses on providing insolvency-related structuring advice and legal opinions in connection with complex transactions for asset based-lending, asset securitizations, safe harbored financial contracts, conduits, derivatives and other financial hedges, project finance, REITS, REMICS, real estate finance and other capital markets transactions.

He specializes in banking and financial institutions law, representing domestic and foreign commercial banks, investment banks and insurance companies. He leads the firm’s Financial Institutions Group which has a long history advising global financial institutions on their largest transactional and their most sensitive regulatory matters.