Practice Focus

Banking
Credit and Debit Cards
Education Lending
Payment Systems
January 20, 2026

CFS Bites of the Month – 2025 Annual Review – Payments

Ryan S. Stinneford + more
January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford + more
February 29, 2024

New York Amends Credit Card Surcharge Statute

Jay Harris + more
January 26, 2024

CFPB Bites of the Month – 2023 Annual Review – Payments

Eric L. Johnson + more
January 25, 2024

CFPB Bites of the Month – 2023 Annual Review – Student Lending

Eric L. Johnson + more
January 22, 2024

CFPB Bites of the Month – 2023 Annual Review – Banking

Eric L. Johnson + more
April 03, 2023

How Much is Too Much?

Thomas P. Quinn, Jr. + more
April 22, 2021

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford
November 30, 2020

New NACHA Account Validation Requirement Will Make It More Difficult For You To Accept Electronic Payments From Your Website

Ryan S. Stinneford
May 13, 2020

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford
December 20, 2019

New York Department of Financial Services Finalizes Student Loan Servicers Regs

Ryan S. Stinneford + more
August 29, 2019

Regulation of Student Loan Servicers – Recent Enactments and a Look Ahead at Pending Legislation

Ryan S. Stinneford + more
July 31, 2019

Regulation of Student Loan Servicers – A Review of 2019 Legislation Enacted in Colorado, Maine, Maryland, and Nevada

Ryan S. Stinneford + more
June 28, 2019

New York Student Loan Servicers Law: A Deeper Dive

Ryan S. Stinneford + more
June 03, 2019

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford
May 31, 2019

Regulation of Student Loan Servicers: What’s Out There, and What’s Coming

Eric D. Mulligan + more

Education

  • University of Maine School of Law, J.D., cum laude, 1988
  • Comments Editor, Maine Law Review (1987-1988)
  • Colby College, B.A. in History, cum laude, Phi Beta Kappa, 1985

Admissions

  • Maine, 1988
  • Massachusetts, 1998
Professional Affiliations & Certifications
  • Fellow, American College of Consumer Financial Services Lawyers
  • Member, Consumer Financial Services Committee of the American Bar Association’s Business Law Section; served as Chair (2008-2011) and Vice-Chair (2005-2008) of the Deposit Products and Payment Systems subcommittee
  • Member and former Chair, Consumer and Financial Institutions Law Section of the Maine State Bar Association
  • Member, Conference on Consumer Finance Law
Speaking Engagements
  • “How Lawyers Can Use AI Without Getting Disbarred,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, November 2025, presented with Jean Noonan and Nick Schmidt
  • “Check Alterations, Forgeries and Forged Endorsements: Who is Liable to Whom, and How to Limit Your Liability,” Massachusetts Bankers Association 2024 Deposit Workshops, December 2024/January 2025
  • “Cash Management Basics,” Massachusetts Bankers Association 2024 Deposit Workshops, December 2024/January 2025, presented with Taylor Krowitz
  • “Check Alterations, Forgeries and Forged Endorsements: Who is Liable to Whom, and How to Limit Your Liability,” Massachusetts Bankers Association 2023 Deposit Workshops, November/December 2023
  • “Ethical Obligations and Challenges for Lawyers Using (or Not Using) Artificial Intelligence,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, October 2023, presented with Megan Nicholls
  • “Consumer Online Experiences in a Post-COVID World,” 2021 Virtual Financial Services Conference, May 2021
  • “Ethical Obligations and Challenges for Lawyers Working Remotely,” 2021 Virtual Financial Services Conference, May 2021
  • “Safeguarding Faster Payments: KYC, Account Validation Compliance and Best Practices,” GIACT Webinar, May 2021
  • “The Electronic Fund Transfer Act and Regulation E,” NAFCU Virtual Regulatory Compliance School, March 2021
  • “New NACHA Account Validation Requirement Coming in March – Are You Ready?”, Hudson Cook Compliance Coffee Breaks, January 2021, presented with Katie Hawkins
  • “Digital Services for Share Accounts,” NAFCU Virtual Regulatory Compliance Seminar, October 2020
  • “Customer Due Diligence (CDD),” National Association of Federally-Insured Credit Unions (NAFCU) Virtual Conference, July 2020
  • “Small Business Finance Considerations during the COVID-19 Crisis,” Hudson Cook webinar, April 2020
  • “Bank Regulatory Compliance in the Shadow of COVID-19,” Hudson Cook Compliance Coffee Breaks, March 2020, presented with Thomas Quinn
  • “Why become a payfac? A look at the future of the acquiring industry,” PaymentsSource Webinar, November 2019
  • “Payments and Deposits: Recognizing and Mitigating Fraud,” Finastra 2019 Network of State & Federal Counsel Conference,” October 2019
  • “Pro Bono Opportunities for Financial Services and Technology Lawyers,” Finastra 2019 Network of State & Federal Counsel Conference,” October 2019
  • “2019 Legal, Regulatory & Compliance Update: Trends, Technology & Predictions,” NACHA Payments 2019, May 2019
  • “Legal Ethics in the Digital Age,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary , April 2019
  •  “Fintech Update:  Emerging Issues in Fintech Regulation, Legislation and Enforcement,” Hudson Cook Webinar, May 2018
  • “Ethics Soup: Trending Topics in the Legal Ethics World,” Finastra 2017 Network of State & Federal Counsel Conference, October 2017
  • “Ethics: The Crossroads of Disruption, Innovation, and Evasion: Where Creativity and Ethics Collide,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary , April 2017
  • “Marketing Services Agreements and RESPA’s Kickback Prohibition,” Maine Bankers Association Banking Law Conference & Legislative Recap Seminar, July 2016
  • “Marketing Services Agreements and RESPA’s Kickback Prohibition,” Maine Bankers Association Bank Expo 2016, April 2016
  • “Payment Processing Developments,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2016
  • “Ethics:  In-House Counsel – Handling Internal and External Investigations,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2016
  • “Pop Culture Lawyers Behaving Badly,” D+H USA Corporation 2015 Network of State & Federal Counsel Conference, October 2015
  • “Say You Want a Revolution:  The Payments Evolution,” D+H USA Corporation 2015 Network of State & Federal Counsel Conference, October 2015
  • “Deposit Compliance Issues,” Massachusetts Bankers Association 2015 Compliance Academy (Sept. 15, 2015, Marlborough, MA)
  • Speaker, “Payment Processing Primer:  Rules for Electronic Payments,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, June 2015
  • “Ethics – Protecting the Privilege:  In-House and Outside Counsel Communications,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, June 2015
  • “UDAP/UDAAP Developments,” Maine Bankers Association Bank Expo 2015, April 2015
Publications
  • “New York Amends Credit Card Surcharge Statute,” Hudson Cook Insights, February 2024, co-authored with Thomas Quinn and Jay Harris
  • “Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 77, Spring 2022
  • “How much is too much?” Hudson Cook Insights, April 2022
  • “Payment Account Validation – An Upcoming Change to the Nacha Rules Might Impact Your Business,” RV News, February 2021, co-authored with Katie Hawkins
  • “Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 76, Spring 2021
  • “New NACHA Account Validation Requirement Will Make It More Difficult For You To Accept Electronic Payments From Your Website,” Hudson Cook Insights, November 2020, co-authored with Katie Hawkins
  • “Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 75, Spring 2020
  • “Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 74, No. 2, Spring 2019
  • “New York Department of Financial Services Finalizes Student Loan Servicers Regs,” Hudson Cook Insights, November/December 2019
  • “Regulation of Student Loan Servicers – Recent Enactments and Look Ahead at Pending Legislation,” Hudson Cook Insights, August 2019
  • “Regulation of Student Loan Servicers – A Review of 2019 Legislation Enacted in Colorado, Maine, Maryland, and Nevada,” Hudson Cook Insights, July 2019
  • “New York Student Loan Servicers Law: A Deeper Dive,” Hudson Cook Insights, June 2019, co-authored with Thomas Quinn
  • “Regulation of Student Loan Servicers: What’s Out There, and What’s Coming,” Hudson Cook Insights, May 2019, co-authored with Eric Mulligan and Thomas Quinn
  • “Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 73, No. 2, Spring 2018
  • Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 72, No. 2, Spring 2017
  • Current Developments in Bank Deposits and Payment Systems,” The Business Lawyer, Vol. 70, No. 2, Spring 2015
Recognition and Accomplishments
  • Best Lawyers®, Banking and Finance Law, Financial Services Regulation Law, 2011-2025
  • Best Lawyers®, Lawyer of the Year, Banking and Finance Law, Portland, ME, 2025, 2023, 2021, 2018 and 2015