Senior Member

Richard A. Vance

502-681-0454

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.

Recent Assignments

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)

Bar Admissions

Kentucky

U.S. Bankruptcy Court for the Eastern District of Kentucky

U.S. Bankruptcy Court for the Western District of Kentucky

U.S. Court of Appeals for the 6th Circuit

U.S. District Court for the Eastern District of Kentucky

U.S. District Court for the Western District of Kentucky

Firm Leadership

Audit Letter Response Committee, Member

Opinions Committee, Member (former Chair)

Memberships

American Bar Association

,

Consumer Financial Services Committee

Kentucky Bar Association

Louisville Bar Association

Community Involvement

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

Education

J.D. with high distinction,

1984

University of Kentucky College of Law

Org / Honor

Order of the Coif

Articles Editor, Kentucky Law Journal

John Craig Shelby Merit Scholar

B.A. with distinction, Government and Foreign Affairs,

1978

University of Virginia

Org / Honor

Echols Scholar

More Than Stites & Harbison

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.

Accolades

Martindale-Hubbell® AV-Preeminent® Peer Review Rated

Best Lawyers in America®, Bankruptcy and Creditor Debtor Rights/Insolvency and Reorganization Law; Litigation – Banking and Finance (2022-25)

Kentucky Super Lawyers® (2013-25)

Louisville Magazine Top Lawyers (2016)

Contact Resources

Richard Vance's LinkedIn Profile