Michael D. Waters

Michael D. Waters: Attorney with Jones Walker LLP
  • Partner at Jones Walker LLP (349 Attorneys)
  • One Federal Place, Suite 1100, 1819 5th Ave. N, Birmingham, AL 35203
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Michael Waters is a partner in the firm's Banking & Financial Services Practice Group, and has practiced corporate and securities law, primarily in the financial institutions area, for more than 30 years. Mr. Waters routinely represents banks, bank holding companies, and other financial entities in acquisitions, capital raising transactions, shareholder issues, new bank formations, and board fiduciary duty issues. He has advised both buyers and sellers in approximately 80 bank mergers and acquisitions, ranging from small community banks to the acquisition of a $34-billion holding company. He also advises banks regarding regulatory issues, examination, compliance, and enforcement proceedings.

Since 1994, Mr. Waters has served as an adjunct professor of law at The University of Alabama School of Law, where he teaches courses in banking law and corporate mergers and acquisitions. He is a frequent speaker at seminars and is a regular contributor to the Community Bankers Association of Alabama's Banking Traditions magazine. Mr. Waters has written numerous law review articles on banking and securities, and is the author of Proxy Regulation, published in 1992 by the Practising Law Institute.


•Recognized in Chambers USA - America's Leading Lawyers for Business in the area of Banking & Finance: Mainly Regulatory (listed annually since 2013)
•Listed in the 2015 edition of Alabama Super Lawyers in the areas of Banking and Securities & Corporate Finance (listed annually since 2008)
•Listed in The Best Lawyers in America 2018 (Copyright 2017 by Woodward/White, Inc., Aiken, SC) in the areas of Banking and Finance Law, Corporate Law, and Financial Services Regulation Law (listed annually since 1995)
•Named one of Birmingham's Top Attorneys 2012 in the area of Banking Law by Birmingham Magazine
AV Preeminent Peer Review Rating in Martindale-Hubbell
•Listed in the 2017 edition of Mid-South Super Lawyers in the area of Banking


•Bonds, Horton, Smith, and Waters Named “Top Flight Attorneys” 2018
•Waters Quoted in Birmingham Business Journal About Bank M&A Activity in Alabama
•Jones Walker Attorneys in Mississippi and Alabama Recognized in the 2017 Mid-South Super Lawyers List
•Brazael Presents During NASA Days at University of Alabama
•Bonds, Smith, and Waters Named “Top Flight Attorneys”
•121 Jones Walker LLP Attorneys Ranked by The Best Lawyers in America 2018


• Subordinated Debt - An Acquisition Funding Alternative , August 12, 2016
• Common Issues Facing Boards of Directors in Today’s 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
• Merger of Equals Seminar, October 15, 2014
•Jones Walker to Host Avoiding Vendor Management Issues Seminar


• Dodd-Frank and Basel III: How Do They Impact Capital At Your Bank?
Banking Traditions, December 1, 2010
• Fair Lending Revisited
Banking Traditions, September 1, 2010

Areas of Practice (10)

  • De Novo Banking
  • Bank and Bank Holding Company Regulatory, Compliance & Operations
  • Banking & Financial Services
  • Banking & Financial Services Regulatory & Securities
  • Community Banking
  • Corporate & Securities
  • Corporate Governance
  • Equity & Debt Financing
  • Insurance Business, Regulatory & Government Relations Practice
  • Investment Management Legal Services

Education & Credentials

Contact Information:
205-244-5210  Phone
205-244-5410  Fax
University Attended:
Oxford University, England, M.A., Philosophy, Politics and Economics, 1975; Duke University, B.A., cum laude, 1972
Law School Attended:
The University of Alabama School of Law, J.D., 1977; Omicron Delta Kappa; Editor, The Journal of the Legal Profession; Rhodes Scholar
Year of First admission:
1977, Alabama; 1980, District of Columbia


•Alabama Citizens Constitutional Commission, Governor Bob Riley (Member, 2003)
•Alabama Law Institute (Member, 1989 to date; Chairman, Task Force on the Revised Alabama Uniform Securities Act, 2004-2005)
•Alabama State Bar (Chairman, Task Force on Admissions, 2003-2006; Member, Task Force on Bar Examinations, 1997)
•Alabama State Board of Bar Examiners (Chairman, 1991-1994; Member, 1987-1994)
•Birmingham Bar Association
•District of Columbia Bar
•Farrah Law Society (Board of Trustees, 1992 to date)
•Montgomery County Bar Association
•University of North Carolina School of Law Center for Banking & Finance (Member, Board of Advisors)

Birth Information:
Cullman, Alabama, April 7, 1950

Peer Reviews

  • 5.0/5.0
  • A Martindale-Hubbell Peer Rating reflects a combination of achieving a Very High General Ethical Standards rating and a Legal Ability numerical rating.

*Peer Reviews provided before April 15, 2008 are not displayed.

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Birmingham, Alabama

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