Alan Deer Headshot

R. Alan Deer

  • (205) 226-3405
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  • The University of Alabama School of Law
    J.D., 1988
  • Auburn University
    B.S., Accounting, 1985
Bar Admissions
  • Alabama, 1988
About Alan
Regulatory practice head Alan Deer is known as a ‘very well-rounded lawyer generally’ and can claim experience working as in-house counsel at one of America's largest bank holding companies. He leads the team in its role as Alabama counsel for D+H USA Corporation.

- Chambers USA

  • What previous experiences, prior to your work at Balch, influence your practice?

    Serving as in-house general counsel for a large, publicly traded bank gave me invaluable experience on the business side of the practice of law and the expectations of (and demands on) corporate legal departments when dealing with their outside counsel.

  • What types of clients do you represent?

    Generally, in-state and out-of-state banks, finance companies, and credit unions, as well as national software and technology companies delivering financial products and services in the state of Alabama. 

  • What type of matters do you work on most often?
  • What do you see on the horizon in your area of practice?

Select Matters

  • Represented a de novo bank in formation, including filing all regulatory applications and supporting materials. The bank will be the first new bank in the State of Alabama in almost a decade.  Only a handful of new banks have been formed nationwide during that same time period. (2018)
  • 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 (2018).
  • Represented a bank holding company and its bank subsidiary in an all-cash merger transaction with a $12B regional bank. (2017)
  • 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. (2015)
  • Represented a bank acquiring certain branch deposits, loans, and facilities of another bank. (2016)  
  • Represented banks in separate transactions issuing and purchasing unsecured subordinated debt as Tier 2 capital. (2015 and 2016)
  • Represented banks in rendering true sale opinions of counsel in connection with the sale of certain loan pools. (2016)  
  • 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. (Ongoing)
  • Represented out-of-state finance company entering Alabama for compliance with Alabama lending, usury, and insurance laws. (2012)
  • Represented seller of consumer credit loan pool regarding usury and recent decisions affecting the exportation of state interest rates to other states. (2016)
  • 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. (2016)  
  • 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. (2016)



    • The University of Alabama School of Law, J.D., 1988
    • Auburn University, B.S., Accounting, 1985
    Bar Admissions
    • Alabama, 1988
    Professional Affiliations
    • Alabama Bar Institute for Continuing Legal Education Planning Committee for Banking Law Seminar, Member and former Chairperson
    • American Bar Association, Business Law Section 
    • Alabama State Bar 
    • Birmingham Bar Association
    • Cumberland Law School at Samford University, Adjunct Professor, Banking Law
    Awards & Accolades
    • The Best Lawyers in America, Banking and Finance Law, Financial Services Regulation Law, and Corporate Law
    • The Best Lawyers in America, Lawyer of the Year, Financial Services Regulation Law, Birmingham, 2016
    • Chambers USA, Banking & Finance: Mainly Regulatory
    Community Involvement
    • United Way Tocqueville Society
    • University of Alabama Honors College, Board of Visitors