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Richard A. Vance

Richard A. Vance

Rick Vance's practice focuses on financial institution litigation, compliance and real estate, and antitrust.  He is based in the Louisville office.

Recent Assignments

  • Litigation:
    • Defends banks and other financial institutions in individual, administrative and class actions in Kentucky, Indiana, Tennessee and Georgia
    • Defends banks, auto dealers and financial institutions against TILA, RESPA, TCPA, FDCPA, UDAP, CPA, UCC, usury and other statutory and common law claims
    • Defends investigations and enforcement actions brought by the Consumer Financial Protection Bureau (CFPB), FDIC, Kentucky Attorney General, and Kentucky Department of Financial Institutions
    • Real estate and title insurance litigation
    Representative cases:
    • Countrywide Home Loans, Inc. v. Kentucky Bar Association, 113 S.W.3d 105, 119 A.L.R. 5th 641 (Ky. 2003)
    • Rogan v. Bank One, 457 F.3d 561 (6th Cir. 2006)
    • American General Home Equity, Inc. v. Kestel, 253 S.W.3d 543 (Ky. 2008)
    • JIG Real Estate v. Countrywide Home Loans, Inc., 712 S.E.2d 820 (Ga. 2011)
    • In re Gilchrist, 467 B.R. 114 (E.D. Ky. 2012)
    • Rogan v. New South FSB, 419 B.R. 10 (BAP 6th Cir. 2009)
  • Compliance and Real Estate:
    • Assists banks and financial institutions with compliance with state and federal statutory and regulatory licensing and compliance
    • Assists out-of-state lenders with compliance and real estate documentation and transactions and opinion advice
    • Assists the Kentucky Bankers Association in analyzing and drafting real estate and banking legislation, including the Uniform Commercial Code
    • Advises national clients on Kentucky legislative and regulatory developments
  • Antitrust and Trade Associations:
    • Advises national and state trade associations on antitrust issues such as industry surveys and information sharing, membership and trade show policies, and product certification and standard setting programs
    • Prepares HSR premerger notifications and defends second requests
    • Advises hospitals, physician practices and other healthcare providers on the antitrust aspects of strategic transactions
    • Defends companies against competition claims, including tying, price discrimination and dealer termination
    • Defends antitrust investigations of the Federal Trade Commission, Department of Justice and Kentucky Attorney General
    • Advises companies concerning product distribution systems and non-competition covenants

Recent News, Articles & Speaking Engagements

Before Stites & Harbison

Rick began his career as a consumer protection investigator with the Federal Trade Commission in Washington, D.C.

More Than Stites & Harbison

Rick is Kentucky state editor of HouseLaw®.  He is a member of the Governing Committee of the Conference on Consumer Finance Law and a past board member for Kentucky Housing Corporation (KHC).  A novice carpenter and an activist for affordable housing, Rick has built houses with Habitat for Humanity across the United States, as well as in Hungary, the Philippines and Mexico. He is the former President and current pro bono counsel for Kentucky Habitat for Humanity.

Besides Stites & Harbison

Rick likes outdoor activities such as backpacking and canoeing. He has led the Louisville office's softball team for 20 years.

Professional Accolades

Martindale-Hubbell® AV-Preeminent® Peer Review Rated

Kentucky Super Lawyers® (2013-17)

Louisville Magazine Top Lawyers (2016)

Community Involvement

  • Kentucky Habitat for Humanity, pro bono counsel and volunteer
  • Metropolitan Housing Coalition, Gatekeepers Committee member