Stephanie E. Kalahurka
Kansas City, MO
- J.D., University of Texas, with honors, Order of the Coif, Managing Editor, Texas Law Review, 2003
- B.B.A., Southwest Texas State University, summa cum laude, 1997
Ms. Kalahurka's corporate and securities practice includes negotiation and consummation of mergers and acquisitions for public and private financial institutions; public and private stock and asset acquisitions; SEC reporting and compliance (e.g., registration statements, periodic reports, proxy materials and Section 16 compliance); public and private securities offerings (e.g., common and preferred stock, senior and subordinated debt, and trust preferred securities); stock incentive plans and tender offers.
Ms. Kalahurka's regulatory practice includes representation of clients on enforcement matters in front of the U.S. Department of Justice and CFPB; responding to examination issues and negotiating regulatory enforcement actions; advising clients on director and officer liability issues; enterprise and vendor risk management; capital planning and Basel III compliance, general consumer compliance (e.g., Fair Lending, CRA, RESPA, navigating recent CFPB mortgage regulations); responding to SEC inquiries; regulatory application matters in corporate transactions; chartering de novo financial institutions; establishing branch and agency offices for foreign financial institutions; change in bank control issues; acquisition of non-banking subsidiaries and failed financial institutions; ongoing compliance, strategic and capital planning.
Ms. Kalahurka also has years of experience assisting clients with state money transmitter licensing, compliance and enforcement matters.
- Represented multi-billion dollar trust organization in charter conversion and related matters.
- Experienced representing clients with money transmitter licensing/exemptions matters.
- Represented public and private banks and bank holding companies in numerous M&A transactions.
- Represented public financial institutions in preparing quarterly, annual and other periodic securities filings.
- Represented numerous issuers in the private placement of equity capital.
- Represented foreign banking organizations in the establishment of domestic branches and agency offices.
- Assisted numerous financial institutions in responding to examination issues and negotiating enforcement actions.
- Represented organizers in the establishment of de novo commercial banks (state and national banks) in various states.
- September 2021. Article for Texas State Bar: Unintended Consequences of the Current Statistical Approach to Enforcement of U.S. Fair Lending Laws
- November 2019. Articles for Missouri Banker: HUD's Proposed Disparate Impact Rule: A (Baby) Step in the Right Direction
- July/August 2015 Article: Strategic Alternatives for Community Banks to Generate New Capital - published in The Texas Independent Banker magazine
- March 2010. Co-author, Federal Reserve Requires Banks to Implement New Overdraft and Related Disclosures, Electronic Banking Law & Commerce Report
- January 2008. Co-author, Health Savings Accounts and the Convergence of Healthcare and Banking, Banking Law Journal
- Fall 2006. Author, Proposed Guidance on Concentrations in Commercial Real Estate Lending, Real Estate Finance Journal
- February 2006. Co-author, Less is More: Changing the Regulator's Role to Prevent Excess in Consumer Disclosure, The Banking Law Journal
- October 2004. Co-author, Overdraft Protection Programs: The Emerging Battleground for Bankers and Consumer Advocates, The Banking Law Journal
- July/August 2004. Co-author, NSF Programs: The New Regulatory Offensive, Banking Traditions
- July/August 2003. Author, Toward a Bank-LLC: Analysis and Implications of the FDIC's Final Rule Allowing Banks to Organize as Limited Liability Companies., The Banking Law Journal
FKH Receives Five*Star Award for Fourth Time from IBAT
ECOA Implications for COVID Lending Programs
Community Banking Provisions in the CARES Act
Credit and the Coronavirus
Community Banking Amid COVID-19 Concerns
- Former Member, Board of Editors, The Banking Law Journal
- Member, American Bar Association
- Former Officer, Financial Institution Section of Austin Bar Association
- Texas Bankers Association
- Independent Bankers Association of Texas
- Louisiana Bankers Association
- Missouri Bankers Association
- Missouri Independent Bankers Association
- Kansas Bankers Association
- Member of the Texas State Bar
- Member of the Missouri State Bar
- Licensed to practice: Texas and Missouri
Awards and Professional Recognition
- University of Kansas School of Law - Adjunct Professor of Banking Law (2016)
- Selected as a Finalist for the Austin Under 40 "Austinite of the Year" Award (2008)
- Named a "Texas Rising Star" in the area of Banking Law by Texas Super Lawyers and Texas Monthly Magazine (2007 and 2008)
- Volunteer for Kansas City MLB Urban Youth Academy
- Pro Bono Representations through Volunteer Legal Services of Central Texas
- Member, Board of Directors, The LAM Foundation (2006-2009).
- Volunteer for Junior Achievement
- Volunteer for Big Brothers and Big Sisters of Central Texas (2003-2005).