Areas of Practice
  • ABA Stonier Graduate School of Banking, 2004
  • The University of Alabama School of Law, J.D., 2000, cum laude; Journal of the Legal Profession
  • Birmingham-Southern College, B.S., 1997, cum laude
Bar Admissions
  • Alabama, 2000
Robert Carothers, Jr.
Suite 1200
RSA Battle House Tower
11 N Water St
Mobile, AL 36602
251.439.7522 tel
251.431.9406 fax

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Rob Carothers is a partner in the firm's Banking & Financial Services Practice Group. His practice is focused primarily in the area of financial institution regulation. He has experience advising state banks, national banks, thrifts, and their holding companies on a wide range of regulatory matters, including:

  • Affiliate transactions and compliance with Sections 23A and 23B of the Federal Reserve Act and Regulation W and Anti-Tying Rules
  • Applying for CDFI status
  • Branch purchases and sales
  • Capital-Raising Transactions, including Common Stock and Subordinated Debt Offerings
  • Change in bank control issues
  • Charter conversions
  • Chartering de novo banks
  • Compliance with federal and state banking laws and regulations, including the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Truth in Savings Act (TISA), the Bank Secrecy Act, the USA Patriot Act, Regulation O, the Fair Credit Reporting Act (FCRA), Fair Debt Collections Practices Act (FDCPA), Regulation P, Community Reinvestment Act (CRA), UDAAP, and new mortgage servicing rules
  • Counseling troubled financial institutions and assisting with negotiating and complying with regulatory enforcement actions
  • Data security issues
  • Financial privacy matters
  • Forming bank holding companies
  • Mergers and acquisitions
  • Operational issues
  • Secured transactions and Uniform Commercial Code (UCC) issues

For nearly 10 years, Mr. Carothers served as regulatory counsel to a large regional bank holding company with more than $25 billion in total assets. He has also advised numerous community bank clients with respect to various bank regulatory issues. His family has operated a community bank in Winfield, Alabama, for more than 70 years, and he is active with the Alabama Bankers Association and Louisiana Bankers Association.




  • "S.2155: The Economic Growth, Regulatory Relief, and Consumer Protection Act", August 1, 2018, ABA Bank Counsel Conference
  • "Overview of Regulatory Enforcement Process & Proactive Steps to Mitigate Risks", March 24, 2017, Louisiana Bankers Association Oil & Gas Industry Update Conference
  • "Common Issues Facing Boards of Directors in Today‚Äôs Banking Environment", February 18, 2016, Auburn University Bank Directors' College
  • "Bank M&A Update" Seminar, October 15, 2015
  • "Bank M&A Update" Seminar, October 13, 2015
  • "Basel III and Privacy Issues", March 11, 2015, Bankers Compliance Task Force Meeting



  • Alabama Bankers Association
  • Alabama State Bar
  • Auburn University Bank Directors College (Member, Steering Committee)
  • Gulf Coast Exploreum Science Center (Member, Junior Board)
  • Louisiana Bankers Association