Amy T.M. Oakley




Amy’s practice focuses on finance, commercial real estate and tax credit finance. Her experience is unique in that she has acted as counsel on all sides of development projects, representing developers, lenders, bridge lenders, investors and syndicators so she understands well each party’s goals and how to lead effectively and efficiently to get the deal closed.

Over her career, she has represented more than 20 financial institutions in all areas of commercial finance, with special emphasis on non-recourse and limited recourse debt, real estate and construction financing, asset-based financing, bridge and mezzanine financing and multi-lender financing. She has experience with major housing developments, shopping centers, hotels, condominiums and other large scale development projects in Rhode Island and Massachusetts and throughout the country.

Amy represents investors, developers and lenders in federal and state tax credit transactions. She is well-versed in numerous tax credit initiatives and has been involved with historic, low-income housing, brownfields, film and energy efficiency credits as well as other state-specific incentive programs. She worked with RI Commerce to pave the way for lenders to bridge the Rebuild RI tax credits and regularly represents developers in connection with Rhode Island Commerce incentives: Rebuild RI credits, Sales and Use Tax Rebates, Qualified Jobs credits and Tax Increment Financing. She routinely assists developers with obtaining Rhode Island and Massachusetts tax incentives.

In the area of real estate, Amy represents developers in all aspects of property acquisition, sales, tax stabilization, development, leasing and management. Amy regularly serves as local counsel for real estate development projects in Rhode Island and Massachusetts.

Practice Areas

Banking & Financial

Commercial Finance

Corporate & Business



University of Hawaii, William S. Richardson School of Law, J.D.

University of Rhode Island, B.A., magna cum laude

Bar Memberships

Rhode Island



  • American College of Mortgage Attorneys
  • Preserve Rhode Island
    • Trustee
  • Skills for Rhode Island’s Future
    • Board of Directors and Corporate Secretary (2017-2021)
  • Child & Family
    • Former Corporate Secretary, Director and Committee Chair (2010-2015)

Representative Transactions

  • Amy has represented lenders in over 500 commercial loan transactions with single and multi-lender financing and a wide range of loan amounts including those in excess of $100,000,000.
  • Represented national lender as agent and lead lender in syndicated master credit facilities totaling $275,000,000 to support multi-state medical and retail fund portfolios spanning 30+ states.
  • Represented numerous developers with obtaining and closing on state and federal tax credit incentives, senior and junior financing and complex real estate matters for historic rehabilitation projects throughout Rhode Island and Massachusetts.
  • Represented tax credit syndicators to syndicate and sell tax credits generated by a variety of state and federal programs in amounts in excess of $1,500,000,000.


  • Recognized as a Go To Business Lawyer by Rhode Island Lawyers Weekly (October 2021)
  • Super Lawyers, “Rising Star” in Corporate and Banking Law (2012-2019)
  • Providence Business News, “40 Under Forty” Award (2014)
  • Leadership Rhode Island, IOTA II (Class of 2013)

Representative Publications


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