Ray Quinney & Nebeker is the region’s top law firm for banks, lease finance companies, and other financial institutions.  We have the largest and most sophisticated banking and financial institutions practice in Utah, with many of our lawyers having more than 25 years of experience in this practice area.  For decades, the Firm has represented the largest multi-state bank holding company in the Intermountain West and the largest bank in Utah.  We continue to represent a broad range of financial institutions, equipment leasing companies and other credit providers, both large and small, including Utah, regional and national financial institutions.   We have years of transactional experience with commercial, real estate, and consumer transactions as well as in other more specialized lending and leasing areas.  We have demonstrated expertise in resolving risk management issues for financial institution and other clients such as with problem loans and leases, workouts, and bankruptcy representation.  In short, Ray Quinney & Nebeker is the “go to” law firm for Utah’s most important and prosperous lenders and lessors.

Within the general area of Banking and Financial Institutions, Ray Quinney & Nebeker attorneys also specialize in the following:

COMMERCIAL LENDING DOCUMENTATION (Creditor and Borrower Representation)

  • Commercial Loan Transactions
  • Form Document Review
  • Participations and Syndicated Credits
  • Letters of Credit
  • Small Business Administration and other government loan programs
  • Asset-Based Lending
  • Commercial Law Issues
  • Collateralization of Natural Resources (Oil, Gas, Coal and Other Minerals)

REAL ESTATE LENDING DOCUMENTATION (Creditor and Borrower Representation)

  • Commercial Mortgage Lending
  • Residential Subdivision Lending
  • Title Insurance Issues
  • Tax Credit Transactions
  • Water Law


  • Consumer Loan Documentation
  • Consumer Lending Regulations & Policies (Truth-in-Lending, etc.)
  • Defense of Consumer Credit Claims, including Class Action Defense


  • Commercial Leasing Documentation
  • Aircraft Leasing and Federal Aviation Administration Expertise
  • Equipment Leasing
  • Small/Middle Market Transactions
  • Large/Leveraged Transactions
  • Municipal Leasing
  • Syndications/Participations
  • Securitization/Pooling & Servicing
  • Lease Asset Dispositions
  • Existing Lease Dispositions
  • Policy & Procedures Assistance
  • Leasing Tax Issues
  • Lobbying & Regulatory Compliance


  • Corporate Trust Representation
  • Payment Systems
  • Bank Products
  • Consumer Lending Regulations, Policies Forms (Truth in Lending, Regulation Z, etc.)
  • Federal Banking Regulations (CRA Compliance/ECOA/Fair Credit Compliance/RESPA/FIRREA)
  • General OCC & Federal Reserve Oversight
  • FDIC Oversight
  • Other State & Federal Government Compliance
  • Legislative Lobbying
  • Branch and Interstate Banking Issues
  • Employment Issues


  • Problem Loans/Workouts
  • Bankruptcy Representation (Creditor and Trustee Representation)
  • Alternative Dispute Resolution
  • Title Disputes
  • Foreclosures
  • General Collections
  • Environmental Liability Issues for Lenders
  • Lender Liability Defense


  • Mergers & Acquisitions
  • Corporate Organization & General Corporate Documents
  • Subsidiary & Other Organizational Matters
  • Formation of Industrial Loan Corporations

Michael D. Mayfield serves as Chair of the Banking and Finance Section.

Michael D. Mayfield
801-323-3373 | moc.nqr@dleifyamm

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