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Ryan S. Stinneford
Partner
207-541-9553


Office Location
22 Free Street
Suite 205
Portland, ME 04101
207-541-9550
Fax: 207-541-9557
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Professional Experience

Hudson Cook, LLP, 2011 - present.

Assists clients with a wide variety of federal, Maine and Massachusetts regulatory compliance matters. Retail financial compliance experience includes prepaid access, consumer and commercial deposit products, electronic banking and payment services, consumer finance products (residential mortgages, home equity loans/lines, personal loans/lines, credit cards, student loans, and direct and indirect auto loans and leases), marketing and advertising issues, privacy and data security issues, and vendor contracting/third party risk management issues. Representative clients include community, regional and national banks, as well as non-bank lenders and service providers.

Listed in the 2014 edition of The Best Lawyers in America® in the practice areas of Banking & Finance Law and Financial Services Regulation Law. Hudson Cook's Portland, ME office has also received a Tier 1 ranking in the 2013 Edition of U.S. News - Best Lawyers "Best Law Firms."

Pierce Atwood LLP, 1998 - 2011. Partner and Co-Leader of firm's Banking & Financial Services practice group.

BankBoston, N.A., 1993 - 1998. Senior Counsel.

Pierce Atwood LLP, 1988 - 1993. Associate.

Education

University of Maine School of Law, Juris Doctor, Cum Laude, 1988; Comments Editor, Maine Law Review (1987-1988).

Colby College, B.A. in History, Cum Laude, Phi Beta Kappa, 1985.

Professional Memberships and Activities

Member of the Consumer Financial Services Committee of the American Bar Association's Business Law Section, and served as Chair (2008-2011) and Vice-Chair (2005-2008) of the Committee's Deposit Products and Payment Systems subcommittee.

Member and former Chair of the Consumer and Financial Institutions Law Section of the Maine State Bar Association.

Admitted to practice in the State of Maine (admitted 1988) and The Commonwealth of Massachusetts (admitted 1998).

Speeches and Publications

Co-author of the following articles:

  • Current Developments in Deposit Products and Payment Systems, The Business Lawyer, Vol. 69, No. 2 (Feb. 2014).
  • Current Developments in Deposit Products and Payment Systems, The Business Lawyer, Vol. 68, No. 2 (Feb. 2013).
  • Current Developments in Bank Deposits and Payment Systems, The Business Lawyer, Vol. 67, No. 2 (Feb. 2012).
  • Current Developments in Bank Deposits and Payment Systems, The Business Lawyer, Vol. 66, No. 2 (Feb. 2011).
  • Current Developments in Bank Deposits and Payment Systems, The Business Lawyer, Vol. 65, No. 2 (Feb. 2010).
  • Current Developments in Electronic Banking and Payment Systems, The Business Lawyer, Vol. 63, No. 2 (Feb. 2008).
  • Current Developments in Payment Systems, Deposit Accounts, and Electronic Delivery of Financial Services, The Business Lawyer, Vol. 62, No. 2 (Feb. 2007).

Recent speaking engagements have included:

  • Speaker, "Ethics - Conflicts and Conflicts Waivers," Consumer Financial Services Conference (May 6, 2104, Baltimore, MD)
  • Speaker, "TILA-RESPA Integrated Disclosures Rule," Maine Bankers Association Bank Expo (Apr. 10, 2014, Portland, ME)
  • Speaker, "Recent CFPB Mortgage Rulemaking," Maine Bankers Association Bank Expo (Apr. 11, 2013, Portland, ME)
  • Speaker, "Navigating Ethical Quandaries in the Social Media Age: How do the Rules Impact a Lawyer's Favorite Social Media Activities?", ABA Consumer Financial Services Committee Winter Meeting (Jan. 6, 2013, Naples, FL)
  • Speaker, "Deposit Account Rules and Ancillary Issues," Twentieth Annual Massachusetts Bankers Association Compliance Academy (Sept. 11, 2012, Marlborough, MA)
  • Speaker, "Social Media and Consumer Credit Compliance," 9th Annual Housing and Auto Finance Workshop (May 8, 2012, Baltimore, MD)
  • Speaker, "Navigating Ethical Quandaries in the Social Media Age: How do the Rules Impact a Lawyer's Favorite Social Media Activities?", 9th Annual Housing and Auto Finance Workshop (May 8, 2012, Baltimore, MD)
  • Speaker, "Dealing with Risks Arising From 'Remote' Deposit Activities," Maine Bankers Association Bank Expo (Apr. 11, 2012, Portland, ME)
  • Speaker, "Update on Dodd-Frank and the CFPB - Where We've Been and Where We're Going," Meeting of Maine Bankers Association Compliance Committee (Feb. 29, 2012, Augusta, ME)
  • Speaker, "Multi-Factor Authentication," Meeting of Maine Bankers Association Security and Operations Committees (Nov. 2, 2011, Augusta, ME)
  • Speaker, "Developments in Bank Deposits and Payment Systems: Impacts on Consumer Choice," Harland Financial Solutions Network of State and Federal Counsel (Oct. 27, 2011 Charleston, SC)
  • Speaker, "Implementing & Using Social Networking Websites - Legal and Regulatory Considerations," Massachusetts Bankers Association Webinar (May 12, 2011)
  • Speaker, "Recent Developments in Deposit Products and Payment Systems," ABA Business Law Section Spring Meeting, Deposit Products and Payment Systems subcommittee meeting (Apr. 14, 2011, Boston, MA)
  • Speaker, "Truth-in-Lending - Maine and Federal Update," Maine Bankers Association Bank Expo (Apr. 13, 2011, Portland, ME)
  • Speaker, "Legal and Regulatory Considerations in Implementing Social Networking," meeting of Maine Bankers Association Compliance Committee (Mar. 30, 2011, Augusta, ME)
  • Speaker, "Dodd-Frank Compliance Surprises," ABA Business Law Section CLE Webinar (Feb. 15, 2011)
  • Moderator, "The Latest Battles in the War Against Overdraft Protection Programs," ABA Consumer Financial Services Committee Winter Meeting, Deposit Products and Payment Systems subcommittee meeting (Jan. 2011, Naples, FL)

 
 
 
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