R. Alan Deer

Listed in The Best Lawyers in America® Banking and Finance Law, 2011-2024 Financial Services Regulation Law, 2011-2024 Corporate Law, 2011-2024 “Lawyer of the Year,” Birmingham, Financial Services Regulation Law, 2016 Listed in Chambers USA Banking & Finance, 2019-2021, 2023 Banking & Finance: Mainly Regulatory, 2016-2023 Listed in Mid-South Super Lawyers, Banking, 2023-2024 Listed in Birmingham Business Journal, "Who's Who in Banking," 2021- 2023 Formation of de novo bank Represented a de novo bank in formation, including filing all regulatory applications and supporting materials. The bank was the first new bank in Alabama in almost a decade. Only a handful of new banks have been formed nationwide during the same time period. Bank merger Represented a bank holding company and its bank subsidiary in a merger resulting in a bank with combined assets of more than $250 million. Bank merger Represented a bank holding company and its bank subsidiary in a merger resulting in a bank with combined assets of more than $1 billion. Bank merger Represented a bank holding company and its bank subsidiary in a merger resulting in a bank with combined assets of more than $1.8 billion. Subordinated notes offering Represented investment banking firm serving as placement for bank holding company issuing $10 million in subordinated notes as Tier 2 regulatory capital. Bank merger Represented a bank holding company and its bank subsidiary in a merger resulting in a bank with combined assets of more than $1.1 billion. Bank merger Represented a bank holding company and its bank subsidiary in a merger resulting in a bank with combined assets of approximately $1 billion. Credit union merger Represented a federal credit union in a merger transaction with a state credit union resulting in an institution with combined assets of more than $750 million. Bank merger Represented a bank holding company and its bank subsidiary in an all-cash merger transaction with a $12 billion regional bank. Bank merger Represented a bank holding company and its bank subsidiary in a merger of equals transaction resulting in a bank with combined assets in excess of $700 million. Branch acquisition Represented a bank acquiring certain branch deposits, loans, and facilities of another bank. Subordinated debt transaction Represented banks in separate transactions issuing and purchasing unsecured subordinated debt as Tier 2 capital. True sale opinions Represented banks in rendering true sale opinions of counsel in connection with the sale of certain loan pools. Alabama network counsel Serving as Alabama regulatory and compliance counsel for national financial service company that provides consumer and commercial loan documentation, deposit documentation, risk management documentation, and related products and services to banks, credit unions, finance companies, and other financial service companies. State licensing and entry Represents out-of-state financial institutions entering Alabama for compliance with Alabama lending, usury, deposit, and insurance laws. Loan sales Represented seller of consumer credit loan pool regarding usury and recent decisions affecting the exportation of state interest rates to other states. Loan sales Represented bank on compliance with the Federal Fair Debt Collection Practices Act (FDCPA) and CFPB rules and guidance on FDCPA in connection with loan pool purchase transactions. Working capital and asset-based credit transactions Served as Alabama panel counsel for out-of-state lender extending commercial and industrial loans and working capital lines of credit to borrowers in the state.