• Vanderbilt University Law School, J.D., 1986
• University of Michigan, B.A., 1983

Bill is a trial lawyer with Frost Brown Todd LLC’s Louisville office.  He is a graduate of the University of Michigan (B.A.) and Vanderbilt University Law School (J.D.). Prior to joining the Firm, Bill worked as in-house counsel for National City Bank, handling the Bank’s commercial, retail and operational litigation.  His litigation experience includes: 

Commercial - Complex lender liability, executive embezzlement and corporate fraud, CERCLA/RCRA liability, check kiting, commercial mortgage fraud, broker/dealer litigation, money transmitter laws, equine lending disputes, credit defamation claims, prejudgment attachment and replevin, and work-out negotiations and commercial collections;

Retail - Class action defense, TILA, FACTA/FCRA, FDCPA, HMDA, Kentucky's CPA rules, identity theft and notification, lien release claims, mortgage disputes, full scope of check cases, collections, and foreclosure prosecution and defense; and

Deposit Operations - UCC Articles 3, 4, 4A and 9, Internet banking, class action defense, deposit account agreements, vendor agreements, garnishments and wrongful attachment, discrimination, ACH, NACHA, BSA, EFTA, Reg E & CC, and privacy issues.

Bill has contract and litigation experience in the credit and debit card industry, including those issues unique to transaction Acquirers.  He served as in-house counsel to National Processing Company, the nation’s then second largest acquirer of card transactions.

Bill understands that the best litigation is the lawsuit the financial institution never encounters.  He is thus active with in-house training programs.  Two current presentations are: 

"The Five Most Common Mistakes Made at Retail Bank Branches and How to Prevent Them"

"Dealing With Your Most Troublesome Commercial Borrowers-Changing Courses of Dealing, Safely Exercising Discretionary Authority Under Loans, and the New World of Bank Work-Out Agreements"

• Sixth Circuit Addresses "Good Faith" Under Tennessee Law
• Bank Directors Are Put On Notice About Their Personal Liability
• Kentucky Opens The Way For Private Auctioneers In Foreclosure Sales
• FFIEC Formally Releases Its Supplemental Guidance Respecting Online Banking
• What the Patco and the Experi-Metals Cases Reveal About the Current State of On-Line Banking Law and Operational Risks
• Item And Entry Processing Order Update For Financial Institutions
• NACHA Proposes New Rules To Fight On-Line Account Takeovers
• Important Kentucky Lender Liability Case Reversed
• Planning For Item Processing Order Customer Complaints
• Deed In Lieu Of Foreclosure - What's The Consideration?

Past

“Data Breach:  Understanding the Risk and Managing a Crisis,” a business leader seminar scheduled for March 18, 2011, Louisville, Kentucky. 

2011 Annual Security Conference for Ohio, Indiana and Michigan Bankers, on  On-Line Fraud and Cyber Account-Takeover Legal Issues, Indianapolis, Indiana, March 22, 2011

Chair: University of Kentucky Annual Legal Conference of Financial Institutions

Instructor: Banking College, Kentucky Banker's Association, Georgetown College

Presenter: Kentucky Bankers Association 2010 Conference, "Internet Banking Liabilities"

Presenter: Kentucky CPA Financial Institutions Annual Meeting

"Guide to Internal Investigations, the Attorney-Client Privilege and the Work Product Doctrine," LBA, In-House Counsel Section's Annual Seminar, June 2009

Private in-bank training for senior lenders/retail bank personnel

FBT Banking Law Articles:

Planning for Item Processing Order Complaints, January 2011

Deed in Lieu of Foreclosure - What's the Consideration, January 2011

Employee Whistleblower Liability Under the Dodd-Frank Act, December 2010

A New Wave of Posting-Order Class Actions? August 2010

BofA/Countrywide Agree to Pay $108 Million to Settle FTC Complaint, June 2010

Board Governance - Kentucky Judges May Not Serve on the Board or on an Advisory Board of a Financial Institution, May 2010

2010 Federal Financial Reform Bill - Business Opportunities and Concerns:  Residential Mortgage Originatin & Lending, May 2010

Internet Banking Risks for Financial Institutions, April 2010

FAQ: FDIC New Sweep Disclosure Final Rule, July 2009

The New Jefferson County, Kentucky "Foreclosure Conciliation Project," May 2009

TARP and Bank Directors and Officer Liability, March 2009

RDC, NACHA and Reg H, February 2009

Fear and Loathing in the World of Small Account Collections, December 2008

Identify Theft Enforcement and Restitution Act of 2008, November 2008

Proposed Changes to Kentucky's Subpoena Rules May Save Financial Institutions Money and Time, July 2008

"S.A.R" stands for Suspicious Activity Report, not serial activity report, April 2008

The Care and Maintenance of the Kentucky Mechanics Lien, April 2008