Charles Moore’s practice focuses on community banks and commercial lenders and borrowers. In his commercial finance work, Charles has had substantial experience in mortgage warehouse lending, mortgage servicing rights lending, other asset-based lending, real estate finance, bank holding company lending, syndicated lending, loan participation transactions, and Article 9 of the Uniform Commercial Code. In his community bank work, he has handled bank merger and acquisition transactions, Change in Bank Control Act matters, Bank Holding Company Act matters, formation and capital raising activities of banks and bank holding companies, and various other bank regulatory matters.
Charles routinely speaks and writes on topics related to banking institutions. In recent years, those topics have included bank capital considerations, digital mortgages, FinCEN's Beneficial Ownership Rule, and Federal Reserve regulations on controlling influences under the Bank Holding Company Act. Charles is active with the Alabama Bankers Association, and he is recognized in a number of legal ranking publications, including The Best Lawyers in America® for Banking and Finance Law and Chambers USA for Banking and Finance. Charles received his J.D. from the University of Virginia School of Law and his B.A. from Vanderbilt University.
Listed in Chambers USA, Banking & Finance, 2017-2023 Listed in The Best Lawyers in America® Banking & Finance Law, 2013-2024 Financial Services Regulation Law, 2019-2024 Real Estate Law, 2021-2024 "Lawyer of the Year," Birmingham, Financial Services Regulation Law, 2024 Listed in Birmingham Magazine, "Top Attorneys," Banking, 2016 Listed in Mid-South Super Lawyers, "Rising Stars," Banking, 2019 Mortgage loan warehouse lending Represented mortgage loan warehouse facility providers in connection with mortgage loan repurchase facilities, line of credit facilities and participation facilities. Bank merger and acquisition transactions Represented various community banks in buy-side and sell-side merger and acquisition transactions, including significant experience with competitive factors (antitrust) considerations. Borrower-side representation Represented various borrowers in commercial finance transactions, including transactions involving interest rate swaps. LIBOR transition matters Represented various lenders and borrowers in connection with the transition from LIBOR-based interest rates to rates based on other indices, including the Secured Overnight Financing Rate (SOFR), the Prime Rate, the Effective Federal Funds Rate, and Ameribor. Bank holding company loans Represented various lenders and borrowers in connection with loans to holding companies of commercial banks. Mortgage servicing rights lending Represented several lenders in connection with credit facilities secured by mortgage servicing rights, servicing advance receivables, and subservicing advance receivables. Loan syndications and participations Represented various lead and non-lead banks in syndicated loan transactions and loan participation transactions. Commercial real estate lending Represented commercial real estate lenders in connection with loans to fund the acquisition and/or development of various commercial projects, including hotel facilities and student housing apartments. Bank capital matters Represented numerous Alabama banks and bank holding companies in connection with stock and other capital offerings. Bank holding company formation Represented several Alabama banks in connection with bank holding company formations, including formation transactions involving debt considerations and dissenters' rights of appraisal. Bank branching matters Represented numerous Alabama banks in connection with branch openings, closings and relocations. Correspondent banking services Represented the correspondent banking division of an Alabama-based bank in connection with federal funds purchases and sales, funds transfer services and other correspondent banking activities. Bank officer and director matters Represented numerous banks in connection with changes in directors and senior executive officers, including assistance with regulatory applications and the preparation and negotiation of employment, severance and non-competition agreements. Bank loans to affiliates and insiders Represented numerous banks in connection with questions arising under Sections 23A and 23B of the Federal Reserve Act (affiliate transactions) and Federal Reserve Regulation O (insider transactions). Shareholder materials Represented numerous Alabama-based banks and bank holding companies in connection with annual and special shareholder meetings, the preparation of proxy materials, the preparation of 10-K and other public reporting materials, and related shareholder communications and considerations. Equipment Finance Represented an Alabama-based company in connection with its lease of equipment from several large financial institutions. Letters of Credit Represented various banks in connection with the preparation, negotiation, and issuance of letters of credit. Control Agreements Represented various lenders in connection with the preparation and negotiation of deposit account and securities account control agreements. De novo bank formation Represented several groups of bank organizers in connection with the formation of Alabama-chartered de novo banks. Representation included providing assistance with regulatory applications, securities offerings and related matters. Purchases and sales of bank property Represented a large financial institution in connection with numerous sales and purchases of branch sites. Non-profit matters Represented several lenders in loans to non-profit organizations.