Richard A. Vance: Lawyer with Stites & Harbison, PLLC

Richard A. Vance

View Richard A. Vance 's Martindale-Hubbell Connected Profile
Louisville,  KY  U.S.A.

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Practice Areas

  • Financial Services Litigation
  • Real Estate & Land Use Litigation
  • Antitrust
  • Consumer Protection & Attorney General Defense
  • Creditors' Rights & Bankruptcy
  • Creditors' Rights
  • Out-of-Court Workouts & Commercial Litigation
  • Financial Institutions
  • Trade Association Law
  • Banking/Financial Services
  • Financing
  • Real Estate/Real Estate Development
University University of Virginia, B.A., Government/Foreign Affairs, with distinction, 1978 Echols Scholar
Law SchoolUniversity of Kentucky College of Law, J.D., with high distinction, 1984 Order of the Coif, Articles Editor, Kentucky Law Journal, John Craig Shelby Merit Scholar
Admitted1984, Kentucky


American Bar Association, Consumer Financial Services Committee

Kentucky Bar Association

Louisville Bar Association

BornColumbus, Ohio, June 28, 1956

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

Recent Assignments

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 disrimination 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 Articles and Speaking Engagements

•SCOKY Reverses 'Secret Lien' Holding!,Stites & Harbison Client Alert, July 1, 2014
•WDKY holds that service charges on delinquent accounts violates Kentucky Usury Law!,Stites & Harbison Client Alert, June 30, 2014
•Healthcare Mergers: Idaho Judge to Unwind Acquisition of Medical Practice,Stites & Harbison Client Alert, February 7, 2014
•MERS Litigation in 2012 and 2013: A Survey of Claims by Borrowers and Others, with Katherine A. Bell, Consumer Financial Services Survey, The Business Lawyer, Vol. 69, No. 2, February 2014
•Mergers: FTC Announces New HSR Reporting Thresholds,Stites & Harbison Client Alert, January 30, 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
•Identity Crisis: Understanding Your Borrower's Organizational Structure and Preparing for the 2010 Amendments to the UCC,Connections Conference, Nashville, Tenn., August 13, 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
•MERS and Mortgage Litigation,Mid-South Commercial Law Institute, Nashville, Tenn., November 20, 2012
•Kentucky Attorney General offers protection for secured lenders during short period of UCC Article 9 uncertainty, with Brian M. Bennett, Stites & Harbison, PLLC, Client Alert, November 7, 2012
•Real Estate Litigation for Bank Counsel,University of Kentucky College of Law Conference on Legal Issues for Financial Institutions, September 21, 2012
•Mortgage Loan Companies and Mortgage Loan Brokers,a chapter in Kentucky Real Estate Law and Practice, University of Kentucky Monograph Series (4th ed. 2012)
•Kentucky Condemnation and Eminent Domain,a chapter in Kentucky Real Estate Law and Practice, University of Kentucky Monograph Series (4th ed. 2012)
•Understanding the Dodd-Frank Act and the CFPB,Keeneland Creditors' Rights Conference, April 2012
•Truth in Lending Survey (Litigation),The Business Lawyer, February 2012
•Truth-in-Lending Update - 2011, with Katherine A. Bell, The Business Lawyer, American Bar Association, 2011
•2010 Amendments to the UCC,HFS State Counsel Network Conference, Charleston, SC, October 2011
•Hot Topics in Lender Liability Litigation in Kentucky, with Katherine A. Bell, University of Kentucky College of Law Conference on Legal Issues for Financial Institutions, September 2011
•Kentucky banks must reassess notary procedures,Stites & Harbison, PLLC, Client Alert, August 2, 2011
•Complying with the Tennessee Home Loan Protection Act,Consumer Finance Law Quarterly Report, Vol. 61, No. 4, Winter 2008
•RESPA Litigation Developments,Mid-South Commercial Law Institute, Nashville, Tenn., December 2008
•Mortgage Lending Variations in the Bluegrass Nation: Kentucky Enacts Sweeping Mortgage Lending Bill,Consumer Finance Law Quarterly Report, Vol. 62, Nos. 1-2, May 2008
•House Bill 552,Stites & Harbison, PLLC Client Alert
•Kentucky Court Strikes Finance Charge Provisions of Motor Vehicle Retail Installment Sales Act,Stites & Harbison, PLLC, Client Alert, March 7, 2008
•6th Circuit Rules in Mortgage Note Assignment Case,Stites & Harbison, PLLC, August 15, 2006
•Galloping Preemption: Developments in Banking Law,University of Kentucky College of Law Conference of Financial Institutions Law, April 2006
•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

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. 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-rated

Kentucky Super Lawyers (2013-14)

Community Involvement

Kentucky Habitat for Humanity, pro bono counsel and volunteer

Metropolitan Housing Coalition, Gatekeepers Committee member


Super Lawyers honors Stites & Harbison's Kentucky attorneys for 2013-14


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Judge Vacates $22 Million Verdict and Orders New Trial
Richard A. Vance, July 24, 2014
Jefferson Circuit Judge Jim Shake vacated jury verdicts against several banks in a major lender liability/mortgage fraud case in Louisville. The verdict, one of the largest ever in a Kentucky lender liability case, garnered significant media attention when rendered last fall, but the order for a...

WDKY Holds that Service Charge on Delinquent Account Violates Kentucky Usury Law!
Richard A. Vance, July 24, 2014
PSI, a debt collector, sought to collect a delinquent account from Grace, a consumer who had received medical services in the emergency room of a Louisville hospital. She failed to pay her bill, and when PSI tacked on a 1 ˝% per month “service charge,” she filed a usury action and a...

SCOKY to Review “Secret Lien” Case
Richard A. Vance, February 4, 2014
The Supreme Court of Kentucky (SCOKY) is expected to rule shortly on the enforceability of a secret lien in favor of a county economic development authority. The secured transaction provisions in Article 9 of the Uniform Commercial Code were designed to minimize the risk of loss to creditors due to...

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Office Information

Richard A. Vance

400 West Market Street, Suite 1800
LouisvilleKY 40202


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