William J. Thomas


William J. Thomas joined Adelberg Rudow in 2014 focusing primarily in the banking, financial services and business practice areas.

Mr. Thomas represents commercial bankers and borrowers in connection with credit transaction, including drafting and negotiating legal documentation for commercial loans, asset-based loans, real estate finance, trade finance, municipal finance, healthcare finance, acquisition finance, warehouse lending and cross-border transactions.

His representation includes financial institutions and credit card processors in connection with payments systems and cash management matters, including drafting wire transfer, ACH, remote deposit capture, internet banking and card agreements/standard forms. Additionally, he represents issuers, account parties and beneficiaries of letters of credit with respect to structuring, drafting, interpreting, drawing on and paying letters of credit, negotiating letter of credit reimbursement agreements, assisting letter of credit operations organizations in solving problems.

He counsels financial institutions and technology companies with respect to the rights, remedies and liabilities of financial institutions under applicable law and regulations, including, without limitation, the Uniform Commercial Code, Federal Reserve Regulations B, E, CC, O and W, Dodd-Frank, Bank Secrecy Act and AML laws generally, Patriot Act, OFAC, Gramm–Leach Bliley Act, state breach laws, HIPAA, Check 21 and the United States Bankruptcy Code.

Mr. Thomas represents financial institutions in regulatory matters directly with their regulators with respect to compliance with federal laws, sufficiency of risk management policies and procedures, and corporate governance and control.

He drafts and negotiates IP licenses, vendor agreements, marketing partner agreements and outsourcing agreements (both domestic and off shore) for technology companies, financial institutions and other businesses.

He is AV® Preeminent™ Rated by Martindale Hubbell and was selected by Martindale-Hubbell as one of Washington, DC and Baltimore, Maryland Top Rated Lawyers in 2013.

He and his wife reside in the Towson area of Baltimore County, Maryland.

Practice Areas:

  • Banking
  • Financial Services
  • Business
  • Real Estate

Bar Admissions:

  • Maryland, 1987
  • District of Columbia, 1990


  • J.D., University of Maryland School of Law, 1987
  • B.A., International Studies, The Ohio State University, 1982

Professional and Civic Involvement:

  • Member, Maryland State Bar Association
  • Member, American Bar Association