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Banking Law

Lowther Johnson Attorneys at Law, LLC has served the Springfield community and Southwest Missouri since 1975. Today, our lawyers take pride in our commitment to providing knowledgeable legal advice with a focus on personal attention.

Springfield Banking Law Attorneys

Comprehensive Advice & Litigation Support for Clients Throughout Southwestern Missouri

Lending institutions in the U.S. operate under strict and often ambiguous regulatory regimes. Lowther Johnson Attorneys at Law, LLC provides reliable guidance for retail, commercial, and investment banks, savings and loans companies, and credit unions throughout Missouri. Since 1976, our attorneys have helped a variety of lenders manage compliance despite the proliferation of new rules and regulations.

Need professional legal help with a Missouri banking law issue? Arrange for a consultation with a Springfield banking law lawyer by calling us at (417) 557-3407. Or send us an email via our online request form.

Banking Law Issues

Our firm provides valuable advice and tenacious representation on a range of matters related to:

  • Banking regulations
  • Secured transactions
  • Commercial borrowing and lending
  • Consumer protection

No matter the issue, our banking law attorneys have the knowledge and experience to help you.

Banking Regulations

As compliance issues take up more and more of a bank’s resources, lenders are relying more heavily on experienced and knowledgeable legal counsel to interpret regulations and assist in drafting and implementing sound policies. Our attorneys work closely with boards and management of financial institutions to help ensure compliance with state and federal law.

The scope of our practice encompasses:

  • Regulatory matters. These include Federal Reserve matters, Office of the Comptroller matters, Federal Deposit Insurance Corporation (FDIC) matters, Sarbanes-Oxley violations, and anti-trust investigations.
  • Compliance with state law. This includes affiliate or insider relationships, anti-money laundering, capital adequacy regulations, and more.
  • Bank representation. This can include conflicting claims against a joint account, exercise of the right to set-off, collections litigation, allegations of unauthorized use of debit and credit cards, creditors’ rights litigation, and creditor liens and loans.

Turn to us for advice and guidance on any banking law issues.

Secured Transactions

Since securitization was a crucial factor contributing to the housing and banking crises starting in 2008, lenders now face greater scrutiny and higher standards for collateralization. Strict new standards for foreclosures also have been established.

We advise lenders on the legal efficacy of numerous issues related to secured transactions:

  • Securitizations
  • Derivatives
  • Investment securities
  • Letters of credit
  • Audits
  • Loan workouts
  • Foreclosures
  • Bankruptcy reorganization
  • Remedies under the Uniform Commercial Code (UCC)

We provide pertinent advice and precise legal instruments to enhance the security of your bank’s transactions.

Commercial Lending & Borrowing

Lowther Johnson Attorneys at Law, LLC negotiates, drafts, and reviews loan instruments for lending institutions and commercial borrowers. Through due diligence, we have helped clients reach agreement on sound, mutually-beneficial deals for major industrial, commercial, and residential developments.

Our attorneys regularly advise commercial and banking clients on the following legal issues:

  • Promissory notes
  • Loans
  • Security and guaranty agreements
  • Blocked accounts
  • Deposit account control agreements
  • Joint accounts
  • Revolving credit
  • Term loans
  • Equipment leasing and finance
  • Letters of credit
  • Mergers and acquisitions
  • Purchase and sale agreements
  • Reorganization
  • Organization of holding companies
  • Lines of credit

Lenders and commercial borrowers can trust our knowledge, experience, and diligence.

Consumer Protection

Lenders that deal directly with consumers must adopt and maintain policies that comply with state and federal regulations or face liability for damages. Since this is another area where the regulatory landscape is constantly shifting, our firm keeps abreast of changes so our clients can readily adapt. We also provide staunch defense to allegations of improprieties in lending and collections.

The consumer lending issues we manage include:

  • Truth in lending
  • Truth in savings
  • Equal credit opportunity
  • Fair lending
  • Electronic funds transfer
  • Fair Credit Reporting Act
  • Information privacy and security
  • Credit card regulations
  • Mortgage loans
  • Credit card debt
  • Internet banking
  • Cash management services
  • Frozen accounts
  • Holds on deposits

Our experience in consumer-protection litigation helps us resolve allegations quickly and cost-effectively.

Consult with a Springfield Banking Law Attorney Today

Lowther Johnson Attorneys at Law, LLC is an established banking law firm conveniently located in and serving lending institutions and commercial borrowers throughout Missouri.

For knowledgeable assistance with a full range of banking matters, call (417) 557-3407 or contact us online.


The Opinions That Matter Most

Read Our 5-Star Reviews
    "EXCELLENT attorney with fair pricing."

    Very best one in Springfield! Really cares, listens, and worked very hard and quickly to win my case!!!

    - Anonymous
    "Megan Creson was excellent!"

    I recently had to initiate a business foreclosure on a property related to my parents’ estate in Stone County. Megan Creson ...

    - Catherine W.
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    Megan was amazing in our case!! Very professional, even earning compliments from the judge. Would 100% recommend!

    - Ryan S.
    "We see Gregg as a friend, as much as we see him as our legal counsel."

    Gregg represented both our company and our business in a case where we alleged that the financials provided to us, while ...

    - Anonymous
    "Exceptional law firm."

    Great, professional, and sharp lawyer. Knows his stuff. Worked very hard for me and we won. and he inherited my mess from a ...

    - Anonymous
    "This firm understands the importance of accessibility and communication."

    I have been beyond impressed with my experience with Lowther Johnson Attorneys at Law. They are knowledgeable, prompt, and ...

    - Nickie B.
    "Intelligent, Profession & Kind"

    This carried over from another lawyer that had in quite a mess, and Gregg straightedge out quite quickly. My night in shining armor.

    - Sandy F.
    "Great people, help like no other."

    Great people, help like no other.

    - Kimberly G.

Why Choose Lowther Johnson Attorneys at Law, LLC? What Makes Us Different

Serving Springfield, MO Since 1975

  • 350+ Years of Collective Legal Experience to Guide You
  • Capable, Distinguished & Experienced Legal Representation
  • Hundreds of Millions Recovered For Our Clients
  • Personalized Attention & Carefully Curated Legal Plans
  • A Record of Achievement
Meet Our Highly-Rated Attorneys Results-Driven. Client-Focused.