People

Thomas P. Quinn, Jr.
Partner
774.365.4758    
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Massachusetts
1822 North Main Street
Annex Second Floor - Suite 003
Fall River, MA 02720
774.365.4758
Fax: 410.684.2001
Professional Experience

Tom is a partner in the firm's Massachusetts office. Tom has significant experience advising community, regional and national banking institutions on the development, maintenance and documentation of consumer deposit products, consumer electronic banking services and a wide variety of consumer credit products (including residential mortgages, home equity loans/lines of credit, personal loans/lines of credit, credit cards, student loans, and retail installment sales transactions of motor vehicles and other goods and services). Tom also regularly advises both banks and service providers on marketing and advertising matters, privacy and data security issues (including breach notification requirements) and non-depository institutions on matters related to the state licensing requirements for lenders, loan brokers, loan servicers, credit service organizations, money transmitters and debt collectors.

Tom has served as an adjunct professor at the Roger Williams University School of Law, lecturing on consumer law and consumer protection issues.

Tom is included in The Best Lawyers in America® publication for his practice in the field of Banking and Finance Law.

Tom's prior experience includes, Partner with Pierce Atwood LLP's Banking & Financial Services Practice Group and was Partner-in-Charge of the firm's Boston office. He was Corporate Counsel to Citizens Bank and also was employed by BankBoston.

Tom is a Member of American Bar Association (Business Law Section, Consumer Financial Services Subcommittee) and is admitted to practice in Massachusetts.

Tom received his law degree in 1994 from Case Western Reserve University School of Law and his Bachelor of Arts, magna cum laude, from Fairfield University.

Education

Case Western Reserve University School of Law, J.D. 1994

Fairfield University, B.A. (Magna Cum Laude) 1991

Professional Memberships and Activities

Admitted to Practice in Massachusetts (1994)

Member of American Bar Association (Business Law Section, Consumer Financial Services Subcommittee)

Speeches and Publications

Recent articles have included:

  • "Western Sky and Related Companies Settle With Massachusetts Regulator," Basis Points®, Issue 73, November 2015.
  • "Massachusetts Finalizes Flood Insurance Regulation," Basis Points®, Issue 70, August 2015.
  • "Massachusetts Adopts New Flood Insurance Requirements,"Basis Points®, Issue 63, December 2014 / January 2015.
  • "Overdraft Rumblings Continue," Basis Points®, Issue 59, August 2014.
  • "Massachusetts Attorney General Sues Fannie and Freddie over Foreclosure Buyback Issues," Basis Points®, Issue 57, June 2014.
  • "Time to Rethink ESIGN 'Consent Handshake" Standards?" Basis Points®, Issue 56, May 2014.
  • "The Regulatory Noose Tightens on Payment Processors and 'High Risk' Merchants," Basis Points®, Issue 50, October 2013.
  • "Massachusetts Finalizes Revisions to Servicing Regulation," Basis Points®, Issue 50, October 2013.
  • "Virtual Currency Provider Liberty Reserve Sanctioned by Feds," Basis Points®, Issue 46, June 2013.
  • "Massachusetts Issues Right to Modify Regulation and Model Form," Basis Points®, Issue 46, June 2013.
  • "Massachusetts Division of Banks Takes Action Against Tribal Lender," Basis Points®, Issue 44, April 2013 (with Justin Hosie and Blake Sims).
  • "Massachusetts Attorney General Issues Guidance on Debt Collection Regulations," Basis Points®, Issue 42, February 2013 (reprinted in Volume 15, Issue 9 of Spot Delivery®, April 2013).
  • Massachusetts Division of Banks Releases Sample Notice for Mortgage Modification Rules; Template for Reporting and Proposed Regulations to Implement Rule," Basis Points®, Issue 41, December 2012 / January 2013.
  • "Massachusetts Division of Banks Proposes Mortgage Servicing Rules," Basis Points®, Issue 40, November 2012.
  • "Massachusetts Enacts Emergency Foreclosure Protection Law," Basis Points®, Issue 37, August 2012 (with Frank Bishop and Danielle Cardona).
  • "Recent Massachusetts Case Clarifies Foreclosure Standing Requirements," Basis Points®, Issue 36, July 2012 (with Frank Bishop).
  • "Massachusetts Attorney General Establishes HomeCorps Program," Basis Points®, Issue 35, June 2012.
  • "Massachusetts Gender Identity Law Becomes Effective July 1st," Basis Points®, Issue 35, June 2012.
  • "Massachusetts Attorney General Issues Revised Debt Collection Regulation," Basis Points®, Issue 33, April 2012.
  • "Consumer Financial Protection Bureau Releases Advance Outline of Mortgage Servicing Rules," Basis Points®, Issue 33, April 2012.
  • "Merchants, Payment Processors and Financial Institutions Face Increasing Scrutiny for Unauthorized Consumer Payment Transactions," Boston Bar Association Financial Services Section Newsletter, April 2012. (with Ryan Stinneford)
  • "Be Careful With Implementation of Reg Q Repeal," Financial Services Alert, July 20, 2011;
  • "FFIEC Publishes Supplemental Guidance on Internet Banking Authentication," Financial Services Alert, July 13, 2011;
  • "OCC Issues Proposed Overdraft Guidance," Financial Services Alert, June 8, 2011. (With Ryan Stinneford)

Recent speaking engagements have included:

  • Speaker, "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Spring Compliance Conference of New Hampshire Bankers Association/Vermont Bankers Association (May 26, 2016)
  • Panelist, "Incident Response - Your Response May Hurt More Than the Attack," WolfPAC User Conference (October 30, 2015)
  • Speaker, "Deposit Compliance Issues," Massachusetts Bankers Association Compliance Academy (September 15, 2015)
  • Speaker, "Massachusetts Bank Modernization Act,"Quarterly Meeting of the Eastern Massachusetts Compliance Network (April 7, 2015)
  • Speaker, "Social Media Compliance Considerations," Quarterly Meeting of the Western Massachusetts Compliance Association (February 12, 2015)
  • Speaker, "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network (November 7, 2014)
  • Speaker, "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Massachusetts Bankers Association Webinar (October 29, 2014)
  • Speaker, "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Fall Compliance Conference of New Hampshire Bankers Association / Vermont Bankers Association (October 2, 2014)
  • Speaker, "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network (November 1, 2013)
  • Panelist, "Risk Managers Forum on Social Media Implementation," Massachusetts Bankers Association (June 28, 2013)
  • Speaker, "Dodd-Frank Mortgage Reform and Anti-Predatory Lending," Massachusetts Continuing Legal Education (June 18, 2013)
  • Panelist, "The Massachusetts Debt Collection Regulations, New Attorney General Guidance, and Other Collection Rules: What They Mean for Bankers," Massachusetts Bankers Association (March 19, 2013)
  • Speaker, "Signature Card Fundamentals," Lorman Education Services (March 15, 2013)
  • Speaker, "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network (November 1, 2012)
  • Panelist, "Advertising Pitfalls," National Association of Dealer Counsel Fall Conference (October 8, 2012)
  • Speaker, "Remittance Transfer Rules," Western Massachusetts Compliance Association Quarterly Meeting (September 27, 2012)
  • Speaker, "Deposit Account Rules and Ancillary Issues," Twentieth Annual Massachusetts Bankers Association Compliance Academy (September 11, 2012)
  • Panelist, "Social Media and Consumer Credit Compliance," Ninth Annual Hudson Cook Housing & Auto Finance Workshop (May 8, 2012)
  • Speaker, "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network (November 4, 2011)
  • Speaker, "FDIC and Overdraft Rules: FAQ and Assessing Risks", Webinar Sponsored by American Banker, BTN and US Banker (April 28, 2011)
  • Speaker, "Dodd-Frank Compliance Surprises," ABA Business Law Section CLE Webinar (February 15, 2011)