R. Alan Deer

Partner
Legal Assistant
Sharlyn Gann Henderson
P: 205.521.8426 sgann@bradley.com
Representative Experience
    • 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
      Represented out-of-state finance company entering Alabama for compliance with Alabama lending, usury, 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.