Ray Quinney & Nebeker is Utah’s top financial institutions law firm. For many decades, the Firm has represented the largest multi-state bank holding company in the intermountain west and the largest bank in Utah. The Firm has leveraged off that experience to represent now a broad range of financial institutions and credit providers, both large and small. This extensive list of clients includes many Utah financial institutions as well as regional and national financial institutions. As a result, the banking and financial institutions group at Ray Quinney & Nebeker has developed the largest and most sophisticated banking and financial institutions practice in Utah with many of our lawyers having more than 20 years of experience in this practice area. The banking and financial institutions group has years of transactional experience with commercial, real estate and consumer lending transactions as well as in other more specialized lending areas, and also has an extensive commercial leasing practice. The group has demonstrated expertise in resolving risk management issues for its financial institution clients such as with problem loans, workouts, and bankruptcy representation. The group has also a wealth of experience with regulatory compliance issues and financial institutions operations, formation and governance issues.

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 | mmayfield@rqn.com

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