Practice Areas


Banking Law covers a wide variety of topics relating to the regulation of banks, bank officials and non-bank institutions that offer bank services.

Hilal & Associates specializes in representing banks and other financial institutions. The firm handles a wide variety of matters regarding local banks, including new bank formation and regulatory matters. The firm is experienced with regard to federal and state regulatory matters, including all types of regulatory applications.

The firm has extensive experience regarding all types of operations matters, loan documentation issues, consumer compliance and problem loan work-outs and restructurings. Members of the firm are experienced in matters relating to employee relations, including employment contracts, executive termination agreements and employee termination and claims.

The regulatory policies that govern the banking sector in the UAE are the UAE Federal Law No. 10 of 1980 concerning the Central Bank, the Monetary System and the Organization of the Banking (the Banking Law), the UAE Federal Law no. 18 of 1993, as amended (the Commercial Code), UAE Federal Law No. 6 of 1985 concerning Islamic banks, financial establishments and investment companies (Islamic Banking Law) and the various circulars, notices and resolutions issued by the Board of Governors of the UAE Central Bank, from time to time.

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