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Michael O'Neal


Mike O'Neal's practice focuses on corporate and regulatory representation of financial institutions. He advises on matters including formations, acquisitions, investments, lending, enforcement and compliance. He also advises on consumer finance issues including home equity lending and other mortgage banking matters.

Mike writes and speaks frequently on banking and consumer finance matters. He has authored several legal articles in publications such as the American Banker, SMU Law Review, Securities Regulation Law Journal, Texas Banking, Texas Lawyer and Consumer Finance Law Quarterly Report. He has authored the Texas Home Equity Lending Guide and has also co-authored chapters in Lender Liability Law and Litigation and Banks and Thrifts: Government Enforcement and Receivership.

Representative Experience

  • Represents financial institutions in mergers and acquisitions, formations, conversions and other corporate activities; represented the first Texas state bank to establish a de novo interstate branch
  • Represents financial institutions and individuals in administrative enforcement actions
  • Represents financial institutions regarding Texas home equity lending and related matters; part of team that represents the Texas Bankers Association regarding the constitutionality of home equity interpretations issued by the Finance Commission and Credit Union Commission
  • Represents financial institutions in developing or undertaking new activities, powers or products; obtained several interpretive letters from regulatory agencies pertaining to new powers and authority
  • Represented the Texas Bankers Association in a lawsuit regarding the authority of banks to sell annuities in Texas, including obtaining an OCC interpretive letter regarding this authority
  • Represents financial institutions with compliance matters including lending limits, transactions with affiliates and insiders, privacy and Internet banking