Practice Focus

Banking

Credit and Debit Cards

Education Lending

Payment Systems

INSIGHTS

January 20, 2026

CFS Bites of the Month – 2025 Annual Review – Payments

Ryan S. Stinneford
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Ryan S. Stinneford + 3 more

January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford
Thomas P. Quinn, Jr.
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Ryan S. Stinneford + 4 more

February 29, 2024

New York Amends Credit Card Surcharge Statute

Jay Harris
Thomas P. Quinn, Jr.
Ryan S. Stinneford

Jay Harris + 2 more

January 26, 2024

CFPB Bites of the Month – 2023 Annual Review – Payments

Eric L. Johnson
Justin B. Hosie
Ryan S. Stinneford
Thomas P. Quinn, Jr.

Eric L. Johnson + 3 more

January 25, 2024

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

Eric L. Johnson
Justin B. Hosie
Ryan S. Stinneford
Thomas P. Quinn, Jr.

Eric L. Johnson + 3 more

January 22, 2024

CFPB Bites of the Month – 2023 Annual Review – Banking

Eric L. Johnson
Justin B. Hosie
Ryan S. Stinneford
Thomas P. Quinn, Jr.

Eric L. Johnson + 3 more

April 03, 2023

How Much is Too Much?

Thomas P. Quinn, Jr.
Ryan S. Stinneford

Thomas P. Quinn, Jr. + 1 more

April 22, 2021

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford

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

Ryan S. Stinneford

May 13, 2020

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford

Ryan S. Stinneford

December 20, 2019

New York Department of Financial Services Finalizes Student Loan Servicers Regs

Ryan S. Stinneford
Thomas P. Quinn, Jr.

Ryan S. Stinneford + 1 more

August 29, 2019

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

Ryan S. Stinneford
Thomas P. Quinn, Jr.

Ryan S. Stinneford + 1 more

July 31, 2019

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

Ryan S. Stinneford
Thomas P. Quinn, Jr.

Ryan S. Stinneford + 1 more

June 28, 2019

New York Student Loan Servicers Law: A Deeper Dive

Ryan S. Stinneford
Thomas P. Quinn, Jr.

Ryan S. Stinneford + 1 more

June 03, 2019

Current Developments in Bank Deposits and Payment Systems

Ryan S. Stinneford

Ryan S. Stinneford

May 31, 2019

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

Eric D. Mulligan
Thomas P. Quinn, Jr.
Ryan S. Stinneford

Eric D. Mulligan + 2 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
  • 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
  • “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
  • “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
  • 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