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
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
Kentucky Super Lawyers® (2013-21)
Louisville Magazine Top Lawyers (2016)
Best Lawyers in America®, Bankruptcy and Creditor Debtor Rights/Insolvency and Reorganization Law (2022)
