Richard A. Vance
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.
Title Agencies Did Not Violate RESPA Affiliated Business Rule
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
Coronavirus and Association Meetings
Kentucky Society of Association Executives (KSAE) newsletter, March 16, 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
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
Industrial Hemp: A Lender's Guide
UK Conference on the Law of Financial Institutions, October 2018
Banks, Loan Software, and UPL
RESPA Developments: CFPB v. Borders and Borders
Developments before the Consumer Financial Protection Bureau
Hot Topics in Real Estate Litigation
Antitrust and Trade Associations
Antitrust and Employment Law
Antitrust 101
Kentucky Condemnation and Eminent Domain
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)
Audit Letter Response Committee, Member
Opinions Committee, Member (former Chair)
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
University of Kentucky College of Law
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Order of the Coif
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Articles Editor, Kentucky Law Journal
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John Craig Shelby Merit Scholar
University of Virginia
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Echols Scholar
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.
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® (2013-24)
Louisville Magazine Top Lawyers (2016)
Stites & Harbison, PLLC Lawyers Named to 2025 Best Lawyers® Publications
Stites & Harbison, PLLC is pleased to announce that 97 of its lawyers are included in the 2025 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. Additionally, 12 Stites & Harbison attorneys are named as “Lawyer of the Year” and 30 attorneys are recognized in Best Lawyers: Ones to Watch® in America, which recognizes attorneys early in their careers for outstanding professional excellence in private practice in the United States.
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.
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®.
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.
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©. Additionally, 11 Stites & Harbison attorneys are named as “Lawyer of the Year” and 19 attorneys are recognized in “Best Lawyers: Ones to Watch,” which recognizes attorneys early in their careers for outstanding professional excellence in private practice in the United States.
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.
Stites & Harbison, PLLC Lawyers Named to 2022 Best Lawyers® Publications
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 in 1983, Best Lawyers® has become universally regarded as the definitive guide to legal excellence. Additionally, 11 attorneys are named as “Lawyer of the Year” and 14 attorneys are recognized in “Best Lawyers: Ones to Watch,” which recognizes attorneys early in their careers for outstanding professional excellence in private practice in the United States.
Kentucky Super Lawyers Honors 41 Stites & Harbison Attorneys for 2021
LOUISVILLE, Ky.—The 2021 edition of Kentucky Super Lawyers recently honored 42 Stites & Harbison, PLLC attorneys in the Covington, Frankfort, Lexington and Louisville, Ky., offices.