Mike is a trusted and strategic advisor to banks, financial service companies and FinTech innovators on complex regulatory and compliance issues and financing transactions.


Mike focuses on financial services regulation and compliance, mergers and acquisitions of banks and financial companies, consumer finance and financing transactions nationwide. Mike has helped dozens of banks, FinTech companies, prepaid card issuers, and e-banking, e-lending, e-payments and technology companies create new regulatory-compliant products and services.

“Mike and his team remain our #1 choice for trusted, relevant and actionable external legal advice” said one S&P 500 client. The Best Lawyers in America© recognized Mike as the 2018 “Lawyer of the Year” in the practice area of Financial Services Regulation Law in Kansas City, MO.

Recognized for helping clients grow their businesses with practical legal advice and workable solutions, Mike advises on the design and marketing of innovative financial products and services. He applies his CPA background and deep knowledge of banking, corporate, securities and tax laws to counsel companies and individuals dealing with federal and state regulatory compliance issues and defend regulatory investigations and enforcement actions.


Mike negotiated H&R Block Bank's sale of assets and deposits to Bank of the Internet (BofI).

He has developed national programs and financings for refund advances, refund anticipation loans, refund transfers, and other tax related products, including state RAL/RT facilitator licensing and disclosures.

He negotiated a prepaid card program management agreement for nationwide card issuer and program manager, including regulatory compliance.

Clients trust Mike to ensure online marketplace lending programs’ compliance with state usury laws, loan broker and debt collector laws, money transmitter laws and "true lender" issues.

Mike completed the sale of assets and insured deposits of a troubled federal savings bank in nine separate branch sales transactions, followed by the voluntary dissolution of the federal savings bank, without a bank failure or FDIC receivership.

Mike has extensive experience structuring joint venture and financing programs between commercial banks and online lenders to address federal preemption, true lender, loans to one borrower, third party vendor and other regulatory compliance issues.

Mike helped a state-licensed lender design an internet and storefront military lending program, including complex choice of state law matrix for out of state and joint loan applicants.

Mike advises non-bank clients on consumer loan origination, sale and servicing programs, including small loan lender and debt collector licensing, disclosures and compliance.

He has advised clients on money transmitter and payment systems, including federal and state licensing and regulatory compliance.

Mike has helped clients de novo charter national banks, federal savings banks and state-chartered banks.

Mike advises clients on permitted activities of banks and bank holding companies.

Mike advises banks and holding companies on mergers and acquisitions, and capital markets financing transactions.

Mike defends federal and state regulatory investigations and enforcement actions.

He negotiated the recapitalization of eBank, including regulatory supervision and enforcement.

News & Insights


Speaking Engagements

“Lessons Learned From a Cross-Border Acquisition of a Specialty Finance Lender that Became an Operating Subsidiary of a National Bank,” Bank Director's Acquire or Be Acquired, January 2024

"M&A Case Studies for Thinly Traded & Private Companies," Bank Directors Acquire or be Acquired, January 2017

"New FDIC Brokered Deposit FAQs," Stinson LLP Banking Seminar, September 2016

"Permitted Activities for Bank Holding Companies," Stinson LLP Banking Seminar, January 2016


"White Paper: Federal Preemption for Farm Credit Institutions," September 2018

"Winds of Change in Financial Services Regulation," Ingram's Magazine, March 2017

"Your New, Thousand-Page Definition of a 'Fiduciary'," Ingram's Magazine, June 2016 

"Second Circuit Gets it Wrong by Applying Usury Law to Assignments of Charged-Off Credit Card Debt," Clarks' Secured Transactions Monthly, July, 2015

"A Momentous Court Decision May Hurt Bank Lending Powers," Issues: Regulation, BankDirector.com, July 2015

"Tricking TRUPs Threaten BHCs", Western Independent Bankers, CFO & Finance Digest, November 2014

Interview and quote, Ingram's Magazine article on current trends in banking, "Change? Bank On It."



Listed in Best Lawyers in America© for Banking and Finance Law, Financial Service Regulation Law, Mergers & Acquisitions Law, and Corporate Law and 2020 “Lawyer of the Year” for Financial Services Regulation Law in Kansas City, MO.

Professional & Civic Activities

Professional & Civic Activities

American Bar Association, Banking Law Committee

The Missouri Bar

Kansas City Metropolitan Bar Association

Missouri Bankers Association, Legal Counsel Section

Kansas City Repertory Theatre, Distinguished Director

Troop 50 Boy Scouts, Heart of America Council

National Eagle Scout Association

Order of the Arrow and Tribe of Mic-O-Say

Ward Parkway Presbyterian Church, Elder


  • Missouri, 1984


Australian National University, M.A., International Law, with distinction, 1986

  • Rotary International Graduate Scholar

Washington University in St. Louis, J.D., 1984

  • Order of the Coif

Valparaiso University, B.S.B.A., with highest distinction, 1981

CPA Exam, Missouri Gold Medalist, May 1981

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