Banking Law is the confluence of contract and real estate. Most people know a bank almost never lends money without some form of security. The high value security is normally land. Banking law requires an attorney with a great deal of knowledge about real estate law, ranging from environmental remediation issues to stains on real estate titles. Knowledge also is required for secured transactions issues. Understanding the appropriate UCC forms to file, how to define the property, whether a fixture filing is necessary, and familiarity with all the tools that must be in a banking lawyer’s tool box.