Attorneys

Senior Member

Richard A. Vance

Louisville, KY

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.

Capabilities

Practice Areas

Antitrust, Consumer Protection & Attorney General Defense

Creditors’ Rights & Bankruptcy

Financial Institutions

Financial Services Litigation

Real Estate & Land Use Litigation

Trade Association Law

Recent News, Articles & Speaking Engagements

Title Agencies Did Not Violate RESPA Affiliated Business Rule

The Title Insurance Law Newsletter, American Land Title Association, September 2017 with Michael Denbow, David B. Owsley II and T. Morgan Ward Jr.

Legal Issues Facing Associations

2023 KSAE (Kentucky Society of Association Executives) Convention, French Lick, Ind., October 16-18, 2023

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

Contracts Being Tested by COVID-19

with Alison M. Zeitlin,

Stites & Harbison Client Alert, March 18, 2020

Coronavirus and Association Meetings

Kentucky Society of Association Executives (KSAE) newsletter, March 16, 2020

State Comments on USDA’s Interim Final Rule Governing Hemp Production

Stites & Harbison Client Alert, February 10, 2020

Information You Need on the COVID-19 Coronavirus

Stites & Harbison, PLLC, March 2020

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

Ask a Hemp Lawyer!

Panel member, Kentucky Hemp Industries Association Holiday Conference & Tradeshow, Murray State University, Murray, KY, December 20, 2019

Into the Weeds of the USDA Hemp Regulations

Stites & Harbison Client Alert, December 3, 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

Kentucky General Assembly Approves Electronic Recording and Notarization

Stites & Harbison Client Alert, April 9, 2019

Industrial Hemp: A Lender's Guide

UK Conference on the Law of Financial Institutions, October 2018

2018 Farm Bill Finally Blossoms Into Law, Hemp Here to Stay

Stites & Harbison Client Alert, December 21, 2018

Banks, Loan Software, and UPL

Kentucky Banker, November/December 2017

RESPA Developments: CFPB v. Borders and Borders

Mortgage Bankers Association of America, Litigation Committee Conference, July 25, 2017 with T. Morgan Ward Jr.

Developments before the Consumer Financial Protection Bureau

Keeneland, April 13, 2017

Regulatory Climate Under the Trump Administration

with W. Blaine Early III and Dustyn B. Jones,

Creditors' Rights & Bankruptcy Seminar, Keeneland Race Track, Lexington, KY, April 13, 2017

Securities and Antitrust Issues for HR Professionals?

Stites & Harbison Legal Update, December 7, 2016

How Are Banks Affected by the Employment Executive Orders?

Kentucky Banker Magazine, May 2016

Banking on Industrial Hemp

Kentucky Banker Magazine, April 2016

Hot Topics in Banking and Real Estate Litigation

with W. Blaine Early III, Brian R. Pollock and Chrisandrea L. Turner,

Keeneland, April 23, 2015

Hot Topics in Real Estate Litigation

University of Kentucky Conference on Financial Institutions Law, September 19, 2014

Judge Vacates $22 Million Verdict and Orders New Trial

Stites & Harbison Client Alert, August 19, 2014

WDKY holds that service charge on delinquent account violates Kentucky Usury Law!

Stites & Harbison Client Alert, July 16, 2014

Healthcare Mergers: Idaho Judge to Unwind Acquisition of Medical Practice

Stites & Harbison Client Alert, February 7, 2014

SCOKY to Review “Secret Lien” Case

Stites & Harbison Client Alert, January 24, 2014

Sixth Circuit refuses to enforce HUD’s 10 Factor Affiliated Business Arrangement Policy Statement

Stites & Harbison Client Alert, December 18, 2013

Antitrust and Trade Associations

Thirsty Thursday, Stites & Harbison networking event, May 23, 2013

Antitrust and Employment Law

Employment Service Group, Stites & Harbison, February 26, 2013

Antitrust 101

Asphalt Institute, February 12, 2013

Kentucky Condemnation and Eminent Domain

a chapter in Kentucky Real Estate Law and Practice, University of Kentucky Monograph Series (4th ed. 2012)

Kentucky’s Unique Guaranty Statute

Consumer Finance Law Quarterly Report, Spring-Summer, 2005, Vol. 59, Nos. 1-2, July 19, 2005

Kentucky’s New Predatory Lending Law

Consumer Finance Law Quarterly Report, Spring-Fall 2003, Vol. 57, Nos. 2-4, May 2003

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 A. Vance's PDF Richard A. Vance's Contact VCF

Richard Vance's LinkedIn Profile

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Press Releases

Kentucky Super Lawyers Honors 47 Stites & Harbison Attorneys for 2025

LOUISVILLE, Ky.—The 2025 edition of Kentucky Super Lawyers recently honored 47 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices. The publication named 34 attorneys to the Super Lawyers list and 13 attorneys to the Rising Stars list. A number of Stites & Harbison attorneys...
by Stites & Harbison, PLLC

December 27, 2024

Press Releases

Stites & Harbison, PLLC Lawyers Named to 2025 Best Lawyers® Publications

Honorees Include 12 as “Lawyer of the Year,” 98 in Best Lawyers in America® and 31 in Best Lawyers: Ones to Watch® in America LOUISVILLE, Ky.—Stites & Harbison, PLLC is pleased to announce that 98 of its lawyers are included in the 2025 edition of The Best Lawyers in America®....
by Stites & Harbison, PLLC

August 16, 2024

Press Releases

Kentucky Super Lawyers® Honors 49 Stites & Harbison Attorneys for 2024

LOUISVILLE, Ky.—The 2024 edition of Kentucky Super Lawyers® recently honored 49 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices. The publication named 35 attorneys to the Super Lawyers® list and 14 attorneys to the Rising Stars® list. A number of Stites & Harbison attorneys...
by Stites & Harbison, PLLC

January 12, 2024

Press Releases

Stites & Harbison, PLLC Lawyers Named to 2024 Best Lawyers® Publications

LOUISVILLE, Ky.—Stites & Harbison, PLLC is pleased to announce that 101 of its lawyers are included in the 2024 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 according to the publication....
by Stites & Harbison, PLLC

August 24, 2023

Press Releases

Kentucky Super Lawyers Honors 49 Stites & Harbison Attorneys for 2023

LOUISVILLE, Ky.—The 2023 edition of Kentucky Super Lawyers recently honored 49 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices. The publication named 37 attorneys to the Super Lawyers list and 12 attorneys to the Rising Stars list. A number of Stites & Harbison attorneys...
by Stites & Harbison, PLLC

January 12, 2023

Press Releases

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©. Since it was first published in 1983, Best Lawyers® has become universally regarded as the definitive guide to legal excellence according to the publication....
by Stites & Harbison, PLLC

August 18, 2022

Press Releases

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. A number of Stites & Harbison attorneys...
by Stites & Harbison, PLLC

January 11, 2022

Press Releases

Stites & Harbison, PLLC Lawyers Named to 2022 Best Lawyers® Publications

Honorees Include 11 as “Lawyer of the Year,” 93 in Best Lawyers in America and 14 in “Ones to Watch” 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...
by Stites & Harbison, PLLC

September 01, 2021

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