People

Ryan S. Stinneford
Partner
207.541.9553    
This email address is being protected from spambots. You need JavaScript enabled to view it.
Maine
22 Free Street
Suite 205
Portland, ME 04101
207.541.9550
Fax: 207.541.9557
Professional Experience

Ryan is a partner in the firm's Maine office. Ryan assists clients with a wide variety of federal, Maine and Massachusetts regulatory compliance matters. Ryan's 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, auto loans and leases, and retail installment sales contracts), marketing and advertising issues, privacy and data security issues, and vendor contracting/third party risk management issues. His representative clients include community, regional and national banks, as well as non-bank lenders and service providers.

For the sixth consecutive year, Ryan is listed in the 2016 edition of The Best Lawyers in America® in the practice areas of Banking and Finance Law and Financial Services Regulation Law. Ryan was named the Best Lawyers® 2015 Banking and Finance Law "Lawyer of the Year" in Portland, Maine. Hudson Cook's Portland, Maine office has also received a Metropolitan Tier 1 ranking in the practice areas of Banking and Finance Law and Financial Services Regulation Law in the 2016 Edition of U.S. News - Best Lawyers "Best Law Firms."

Prior to joining Hudson Cook, Ryan was a Partner and Co-Leader of Pierce Atwood, LLP's Banking & Financial Services practice groups. Previously, he was Senior Counsel to BankBoston, N.A.

Ryan is a member of the Consumer Financial Services Committee of the American Bar Association's Business Law Section, and served as Chair from 2008 to 2011 and Vice-Chair from 2005 to 2008 of the Committee's Deposit Products and Payment Systems subcommittee. He is also a member and former Chair of the Consumer and Financial Institutions Law Section of the Maine State Bar Association.

Ryan received his law degree, cum laude, in 1988 from the University of Maine School of Law where he was Comments Editor of Maine Law Review. He holds a B.A. in History, cum laude, Phi Beta Kappa, from Colby College and is admitted to practice in Maine and Massachusetts.

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 Bank Deposits and Payment Systems, The Business Lawyer, Vol. 70, No. 2 (Spring 2015).
  • 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, "Marketing Services Agreements and RESPA's Kickback Prohibition," Maine Bankers Association Bank Expo 2016 (Apr. 14, 2016, Portland, ME)
  • Speaker, "Payment Processing Developments," 13th Annual Hudson Cook Consumer Financial Services Conference (Apr. 12, 2016, Baltimore, MD)
  • Speaker, "Ethics: In-House Counsel - Handling Internal and External Investigations," 13th Annual Hudson Cook Consumer Financial Services Conference (Apr. 12, 2016, Baltimore, MD)
  • Speaker, "Pop Culture Lawyers Behaving Badly," D+H USA Corporation 2015 Network of State & Federal Counsel Conference (Oct. 22, 2015, Washington, DC)
  • Speaker, "Say You Want a Revolution: The Payments Evolution," D+H USA Corporation 2015 Network of State & Federal Counsel Conference (Oct. 21, 2015, Washington, DC)
  • Speaker, "Deposit Compliance Issues," Massachusetts Bankers Association 2015 Compliance Academy (Sept. 15, 2015, Marlborough, MA)
  • Speaker, "Payment Processing Primer:Rules for Electronic Payments," 12th Annual Hudson Cook Consumer Financial Services Conference (June 16, 2015, Baltimore, MD)
  • Speaker, "Ethics - Protecting the Privilege:In-House and Outside Counsel Communications," 12th Annual Hudson Cook Consumer Financial Services Conference (June 16, 2015, Baltimore, MD)
  • Speaker, "UDAP/UDAAP Developments," Maine Bankers Association Bank Expo 2015 (Apr. 9, 2015, Portland, ME)
  • Speaker, "TILA-RESPA Integrated Disclosures Rule," Meeting of Maine Bankers Association Compliance Committee (Nov. 13, 2014, Augusta, ME)
  • Speaker, "Ethics - Conflicts and Conflicts Waivers," 11th Annual Hudson Cook Consumer Financial Services Conference (May 6, 2014, Baltimore, MD)
  • Speaker, "TILA-RESPA Integrated Disclosures Rule," Maine Bankers Association Bank Expo (Apr. 10, 2014, Portland, ME)
  • Speaker, "Social Media Ethical Issues for Lawyers," Harland Financial Solutions 2013 Network of State & Federal Counsel Conference (Oct. 24, 2013, Phoenix, AZ)
  • Speaker, "Things My Ethics Professor Didn't Tell Me: Top Ethical Pitfalls for the Social Media Age," ABA Annual Meeting (Aug. 10, 2013, San Francisco, CA)
  • 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 Hudson Cook 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 Hudson Cook 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 2011 Network of State & Federal Counsel Conference (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)