Laurence D. Vinson Jr.

Partner
Legal Assistant
Angela Woodley
P: 205.521.8273 awoodley@bradley.com

Larry Vinson is a partner in the firm’s Real Estate and Banking and Financial Services Practice Groups. He regularly counsels banks and other financial institutions of all sizes on federal and state regulatory issues, design and roll-out of new loan and deposit products, permissible interest rates, fees and finance charges on loans, exportation of home-state interest rates by multi-state banks, electronic transactions, proposed and existing CFPB regulations, and all aspects of state and federal consumer credit compliance.

On questions relating to the Uniform Commercial Code, he is a resource for the firm's clients and for other lawyers both inside and outside the firm. He served as chair of the Alabama Law Institute advisory committees to the Alabama Legislature on UCC Article 4A, “Funds Transfers;” Revised UCC Article 3, “Negotiable Instruments,” and Article 4, “Bank Deposits and Collections;” Revised UCC Article 1, “General Provisions” and Article 7, “Documents of Title;” and Revised UCC Article 9, ”Secured Transactions.” He was also a member of the ALI advisory committee on UCC Article 5, “Letters of Credit.” He served on the State Board of Bar Examiners and as a bar examiner on the Uniform Commercial Code.

Among the statutes and regulations on which he advises financial institutions and other clients are:

  • Truth in Lending Act (TILA) and Regulation Z
  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Electronic Fund Transfer Act (EFTA) and Regulation E
  • Fair Credit Reporting Act (FCRA) and Regulation V
  • Title V, “Privacy,” of the Gramm-Leach-Bliley Act (GLBA) and Regulation P, “Privacy of Consumer Financial Information”
  • Expedited Funds Availability Act and Regulation CC, “Availability of Funds and Collection of Checks”
  • Truth in Savings Act (TISA) and Regulation DD, “Truth in Savings”
  • Fair Debt Collection Practices Act (FDCPA) and state debtor protection statutes
  • Dodd-Frank Act prohibition on unfair, deceptive or abusive acts and practices (UDAAP) and CFPB enforcement actions thereunder
  • Military Lending Act (MLA) and the Department of Defense (DoD) regulations issued thereunder
  • Servicemembers Civil Relief Act (SCRA)
  • State and federal laws regulating interest rates, finance charges, fees and other charges on loans and credit sales
  • Alabama Consumer Credit Act, commonly called the “Mini-Code”
  • Alabama Credit Card Act

Larry regularly authors articles for legal and trade association publications and speaks on topics of current interest at CLE seminars and trade association meetings.