Ms. Cray has maintained a commercial litigation practice representing large, regional and community banks and financial institutions in matters involving bank operations and lending. She has developed a particular specialty in defending banks at trial who are sued for liability under Commercial Code Articles 3, 4 and 11. Ms. Cray successfully defended a bank in a check forgery case which was the first case to be tried after the comparative negligence amendments to the California Commercial Code. She is well versed in bank operational issues and has handled cases involving, among other things, checks, deposits, electronic transfers, ATM deposits, ACH transactions and wire transfers. She also has successfully defended banks in lender liability disputes involving construction, real estate, business and consumer loans. She also represents financial institutions in creditor’s remedies, bankruptcy and loan workout needs. Ms. Cray also represents financial institutions in regulatory consultation, loan documentation, and other bank documentation needs.
In connection with her mediation work, Ms. Cray has mediated cases under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.