William T. Repasky

T 502.779.8184
F 502.581.1087
400 West Market Street
Suite 3200
Louisville, Kentucky 40202-3363

Bill Repasky represents the Firm's financial services clients in litigation, operations and compliance. Prior to joining the firm, Bill worked as in-house counsel for National City Bank, handling the Bank's commercial, retail and operational litigation.  He is a graduate of the University of Michigan (B.A.) and Vanderbilt University Law School (J.D.).  His experience includes: 

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

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

Deposit Operations - UCC Articles 3, 4, 4A and 9, Internet/electronic banking, cyber security, class action defense, deposit account agreements, garnishments and wrongful attachment, discrimination, BSA/AML Compliance, Wire, ACH, EFTA, Reg E & CC, FFIEC matters and privacy issues.

Fin Tech - Vendor contracts, crypto currency, e-payments, cyber fraud and money services business issues.

Bill also has 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, then the nation’s second largest acquirer of card transactions.

Bill understands that the best lawsuit is the one a financial institution never encounters. Thus he is active with in-house best-practices training programs: 

"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"

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

"Managing Developing Risks in Electronic Banking and Payment Systems."

"BSA/AML/KYC Training"

Non-FBT Publications and Events

Chair: Kentucky's Annual Legal Conference of Financial Institutions, 2007-2015

Quoted: Bank Safety and Soundness Advisor, "The Community Bank Outlook for 2015,"  December 29, 2014

Presenter: "Understanding and Managing Developing Risks in Electronic Banking and Payments Under UCC Article 4A and ACH Transactions"

Instructor: "Compliance with the New Unfair, Deceptive or Abusive Acts or Practices Rules," Kentucky Banker's Compliance School.

Presenter: Kentucky Bankers Association Event "BSA for Trust Departments and Trust Companies," October 2013

Presenter: West Virginia Bankers Association, Dodd Frank Act Forum.

Instructor: Kentucky Bankers' Association, BSA/AML and USA Patriot Act

Instructor: Cyber Banking Fraud and Security Webinar

Instructor: “Data Breach:  Understanding the Risk and Managing a Crisis,” a business leader seminar, Louisville, Kentucky. 

Presenter: 2011 Annual Security Conference for Ohio, Indiana and Michigan Bankers, On-Line Fraud and Cyber Account-Takeover Legal Issues, Indianapolis, Indiana.

Teacher: Banking College, Kentucky Banker's Association, Georgetown College (Ethics for Bankers)

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

Presenter: Kentucky CPA Financial Institutions Annual Meeting

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

Presenter: Dodd-Frank Wall Street Reform and Consumer Protection Act Overview, October 2010

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

Chapter Author, Kentucky Real Estate Law and Practice, 3d ed., Chapter 31

FBT Banking Law Articles:

When Contract Boiler Plate Matters:  A Lesson from the Credit Card Processing World, January 2015

New Savings Options Authorized for Retail Customers, January 2015

New Kentucky Rules Regarding Slander of Title Claims and Lis Pendens Filings, June 2014

Heartbleed in the Heartland for Community Banks, April 2014

Contracting with Third Party Vendors, April 2014

Electronic Funds Transfer Liability:  Business Convenience Versus Commercial Reasonableness, March 2013

Commercial Law “Boot Camp” Successful Again, March 2013

The Changing Face of Criminal Background Checks a/k/a There Are Limits to the “Get Out of Jail Free Card” for Financial Institutions, March 2013

Kentucky Supreme Court Changes The Law on Emotional Damages, January 2013

Should Kentucky Banks Include Class Action Waiver Clauses in Their Account Agreements?, October 2012

Small Bank Agrees to $2 Million Plus Penalty to Resolve Lending Discrimination Complaint, September 2012

Federal Court of Appeal’s Decision Raises New On-Line Banking Uncertainty, July 2012

Kentucky’s Lien Release Statute ᷈ to Err is Human, and May Be “Good Cause” Excusing a Delinquent Release’s Filing, July 2012

Tips for Improving Outcomes When Negotiating Software License or Other Information Technology Contracts, March 2012

Bankers “Boot Camp” Successful Again, March 2012

Electronic Banking Security and Risk Analysis Guidance, March 2012

Sixth Circuit Addresses “Good Faith” Under Tennessee Law, September 2011

Bank Directors Are Put on Notice About their Personal Liability, September 2011

Kentucky Opens the Way for Private Auctioneers in Foreclosure Sales, August 2011

FFIEC Formally Releases Its Supplemental Guidance Respecting Online Banking, July 2011

What the Patco and the Experi-Metals Cases Reveal About the Current State of On-Line Banking Law and Operational Risks, June 2011

Item and Entry Processing Order Update for Financial Institutions, June 2011

NACHA Proposes New Rules to Fight On-Line Account Takeovers, May 2011

Important Kentucky Lender Liability Case Reversed, February 2011

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 Origination & 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

Other Contact Info




Karen Lovan
T 502.779.8674