Robert L. Carothers, Jr., a partner in the firm’s Banking & Financial Services Practice Group in the Mobile office, authored an article in the inaugural issue of the Alabama Bankers Association BoardBriefs newsletter. Mr. Carothers' article, "Potential Benefits of Your Bank Obtaining CDFI Certification," discusses the potential benefits of community banks becoming certified as community development financial institutions (CDFI), including the ability to be exempted from the Ability-to-Repay Rule. To read the article, please click here.