Richard A. Vance
Rick Vance's practice focuses on real estate law, antitrust, trade associations, financial institutions and the industrial hemp industry. He is based in the Louisville office.
Charity Begins at Home: But local lawyers are reaching out to neighbors here and across the world
By RJ Smith, SuperLawyers.com, December 11, 2020
Coronavirus and Association Meetings
Kentucky Society of Association Executives (KSAE) newsletter, March 16, 2020
Ask a Hemp Lawyer!
Panel member, Kentucky Hemp Industries Association Holiday Conference & Tradeshow, Murray State University, Murray, KY, December 20, 2019
Tips for Retailers: Banking and Credit Card Processing
Panel member, Kentucky Hemp Industries Association Holiday Conference & Tradeshow, Murray State University, Murray, KY, December 20, 2019
Sowing the Seeds and Reaping the Benefits of Kentucky's Newest Booming Industry
Industrial Hemp: A Lender's Guide, Consumer Financial Services Committee Monthly Call-In Program, August 21, 2019
Kentucky's Industrial Hemp Opportunity and Banks
Panelist, Kentucky Bankers Association Conference, French Lick, Indiana, April 16, 2019
Industrial Hemp: A Lender's Guide
UK Conference on the Law of Financial Institutions, October 2018
Banks, Loan Software, and UPL
Title Agencies Did Not Violate RESPA Affiliated Business Rule
RESPA Developments: CFPB v. Borders and Borders
Developments before the Consumer Financial Protection Bureau
Hot Topics in Real Estate Litigation
Antitrust and Trade Associations
Antitrust and Employment Law
Antitrust 101
Kentucky Condemnation and Eminent Domain
Compliance and Real Estate:
- Assists affordable housing trust funds with low income housing projects
- 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 formal legal 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
Litigation:
- Defends banks and financial institutions against TILA, RESPA, TCPA, FDCPA, UCC, usury and other statutory and common law claims
- Defends investigations and enforcement actions brought by the Consumer Financial Protection Bureau (CFPB), FDIC, and Kentucky Attorney General
- Real estate and title insurance litigation
Representative cases:
- Consumer Financial Protection Bureau v. Borders, 2017 U.S. Dist. LEXIS 108384 (W.D. Ky. 2017), 2018 U.S. Dist. LEXIS 46906 (W.D. Ky. 2018)
- 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)
Kentucky Hemp Industry:
- Advises industrial hemp entrepreneurs and financial institutions on federal and Kentucky compliance issues
Opinions Committee, Chair
Audit Letter Response Committee, Member
Homeless and Housing Coalition of Kentucky, Board of Directors
Kentucky Hemp Industries Association, Board of Directors
Kentucky Habitat for Humanity, Pro Bono Counsel and Volunteer
University of Kentucky College of Law
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Order of the Coif
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Articles Editor, Kentucky Law Journal
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John Craig Shelby Merit Scholar
University of Virginia
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Echols Scholar
Rick began his career as a consumer protection investigator with the Federal Trade Commission in Washington, D.C.
Rick is a former member of the Governing Committee of the Conference on Consumer Finance Law and a past board member for Kentucky Housing Corporation (KHC). He has built houses with Habitat for Humanity across the United States, as well as in Hungary, the Philippines and Mexico. He is also building an orphanage in Guatemala. Rick is the former President and current pro bono counsel for Kentucky Habitat for Humanity.
Rick likes outdoor activities such as kayaking and mountain biking.
Martindale-Hubbell® AV-Preeminent® Peer Review Rated
Best Lawyers in America®, Bankruptcy and Creditor Debtor Rights/Insolvency and Reorganization Law (2022-23)
Kentucky Super Lawyers® (2013-22)
Louisville Magazine Top Lawyers (2016)
Stites & Harbison, PLLC Lawyers Named to 2023 Best Lawyers® Publications
LOUISVILLE, Ky.—Stites & Harbison, PLLC is pleased to announce that 98 of its lawyers are included in the 2023 Edition of The Best Lawyers in America©. Additionally, 11 Stites & Harbison attorneys are named as “Lawyer of the Year” and 19 attorneys are recognized in “Best Lawyers: Ones to Watch,” which recognizes attorneys early in their careers for outstanding professional excellence in private practice in the United States.
Kentucky Super Lawyers Honors 37 Stites & Harbison Attorneys for 2022
LOUISVILLE, Ky.—The 2022 edition of Kentucky Super Lawyers recently honored 37 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices. The publication named 29 attorneys to the Super Lawyers list and eight attorneys to the Rising Stars list.
Stites & Harbison, PLLC Lawyers Named to 2022 Best Lawyers® Publications
LOUISVILLE, Ky.—Stites & Harbison, PLLC is pleased to announce that 93 lawyers are included in the 2022 Edition of The Best Lawyers in America©. Since it was first published in 1983, Best Lawyers® has become universally regarded as the definitive guide to legal excellence. Additionally, 11 attorneys are named as “Lawyer of the Year” and 14 attorneys are recognized in “Best Lawyers: Ones to Watch,” which recognizes attorneys early in their careers for outstanding professional excellence in private practice in the United States.
Kentucky Super Lawyers Honors 41 Stites & Harbison Attorneys for 2021
LOUISVILLE, Ky.—The 2021 edition of Kentucky Super Lawyers recently honored 42 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices.
Contracts Being Tested by COVID-19
As the country takes action to slow the spread of the COVID-19 coronavirus, sporting events, concerts, and business conferences are being cancelled at an astounding rate. Each day that passes since the outbreak brings new cancellations, government containment efforts, and complex legal questions. The initial visible impact in the United States has been predominantly to the hospitality and entertainment industries, with cancellations significantly affecting venues, attendees, hotels, and caterers; however, the impact of the coronavirus is sure to touch contractual agreements across all industries moving forward. How exactly will the coronavirus affect contracts? The answer: it’s complicated.
State Comments on USDA’s Interim Final Rule Governing Hemp Production
The comment period for the U.S. Department of Agriculture’s Interim Final Rule (IFR) has closed. Over 3,000 comments were submitted by farmers, companies, hemp industry associations, and state agriculture departments. Given their regulatory experience and the uniformity of their pushback, it seems likely that the USDA will be most receptive to the comments from the state agriculture agencies.
Information You Need on the COVID-19 Coronavirus
Stites & Harbison has assembled a Coronavirus Response Team which consists of a cross-disciplinary task force of attorneys and critical staff members to ensure our firm remains “On the Job” for you. Updated 02/04/21
It is still so Madden-ing!
We have posted twice before on the Second Circuit Court of Appeals’ incorrect decision in Madden v. Midland Funding, LLC, 786 F.3d 246 (2d Cir. 2015). There, the court of appeals reversed a district court ruling and refused to enforce a Delaware choice of law provision citing the public policy inherent in the New York criminal usury statute.