Teresa Johnson often acts for lenders and borrowers in commercial credit and finance transactions, acting in project-based finance, asset-based lending, syndicated financings, structured financings, cross-border transactions, and debt securities. Ms. Johnson has particular experience in consumer lending and she frequently represents peer-to-peer and other non-traditional lenders. Her experience includes advising directors and officers of public and private companies in various corporate governance matters.

Ms. Johnson was recently recognized by the Daily Journal as one of the top 25 corporate transaction attorneys on the publication's annual list of the "Top 100 Women Lawyers." She is a member of the Corporate Governance Roundtable at the Rock Center for Corporate Governance at Stanford University.

Ms. Johnson practiced in London for several years before returning to the United States. Ms. Johnson was a member of the Stanford Law Review.


  • The Charles Schwab Corporation in multiple debt and securities transactions, including its offerings of $3 billion of senior notes, exchange offer for $256 million, a $3.5 billion capital restructuring, $885 million in preferred stock and depositary shares, and follow-on offering of $500 million in common stock.
  • Toyota Motor Sales, U.S.A., Inc. in multiple financing and other transactions, including its agreements with FirstElement Fuel to support the long-term operation and maintenance expenses of new hydrogen refueling stations in California, and in working with their lead counsel on a transaction in which Toyota is partnering with Air Liquide to develop hydrogen fuel cell infrastructure across the Northeast.
  • The Wine Group (third largest wine producer in world by volume) in multiple debt transactions.
  • Private equity funds in investment in and restructuring of debt of portfolio companies, including subordinated sponsor financings for portfolio companies and related intercreditor negotiations.
  • Major privately held waste/recycling company in its $750 million syndicated credit agreement with Bank of America as administrative agent.
  • Borrowers in inventory and other receivables-based financings.
  • Privately held food services company in $56 million capital and debt restructuring with Prudential.
  • Large private foundation in $40 million limited guarantee of Bank of America syndicated loan to nonprofit.
  • Investors/servicers in warehouse lending, investments in CMBS and related debt restructurings.


INSIGHT: Small Scale Commercial Lending in California Is Becoming Complicated
Bloomberg BNA
Hurdles Ahead For California's Female Director Mandate
California Law360, Corporate Law360, Mergers & Acquisitions Law360, Public Policy Law360, Securities Law360, Technology Law360
California Becomes First State to Mandate Female Representation on Boards of Directors
The OCC Fintech Charter—Opportunity with a Twist
Arnold & Porter Kaye Scholer
Trump Administration and Congress Signal New Priorities for Financial Regulation
Advisory. Published in The Harvard Law School Forum on Corporate Governance and Financial Regulation on February 13, 2017.


Bar Association of San Francisco
Award of Merit (2012, 2014, 2018)
Best Lawyers
Corporate Law (2014-2019)
The Legal 500 US
Capital Markets: Debt Offerings (2018)
Corporate Governance (2016-2017)


  • JD, Stanford Law School, 1992
  • BA, Harvard University, 1989, cum laude
  • California
  • New York
  • England and Wales
  • Texas
  • Member, Board of Directors, Bar Association of San Francisco

  • Member, Bar Association of San Francisco

  • Member, American Bar Association

  • Member, Board of Trustees, San Francisco Art Institute

  • French
  • Italian

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