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Bradley Arant Boult Cummings, LLP

Laurence D. Vinson

Laurence D. Vinson

Partner

Bradley Arant Boult Cummings, LLP
Alabama, U.S.A.

tel: 205.521.8607
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Profile

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.

Bar Admissions

  • Alabama, 1973

Court Admissions
  • Supreme Court of the United States
  • United States Court of Appeals, 11th Circuit
  • Supreme Court of Alabama
  • United States District Court, Northern District of Alabama

Education

  • University of Alabama School of Law, J.D., 1973, Order of the Coif; Associate Editor and Managing Board Member, Alabama Law Review
  • University of Alabama, B.S., 1969, Omicron Delta Kappa; Phi Beta Kappa
Areas of Practice
Blogs

BuildSmart
Bradley Arant Boult Cummings, LLP 

Significant issues can arise during the three phases of the design and construction process. Effective planning, performance and completion are critical to the success of any construction project. So is informed counsel that addresses a variety of business issues, including mergers and...

Declassified
Bradley Arant Boult Cummings, LLP 

The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding...

It Pays to Be Covered™
Bradley Arant Boult Cummings, LLP 

Bradley’s It Pays to Be Covered™ Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk...

Patent 213
Bradley Arant Boult Cummings, LLP 

Patent law, like most things in life, is subject to change. Changes to patent laws not only impact investment in your existing IP, but directly shape strategies to protect your freedom to operate. The Patent 213 blog provides up-to-date, insightful analysis of the evolution in the written...

Tennessee Appellate Review
Bradley Arant Boult Cummings, LLP 

A successful appeal depends on counsel’s substantive understanding of appellate rules, procedures, and strategies. The Tennessee Appellate Review blog is a resource for commentary and insights on the latest state and federal appellate news. Join the conversation as we analyze decisions from the...

The Law of Order
Bradley Arant Boult Cummings, LLP 

Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as...

Underwritten
Bradley Arant Boult Cummings, LLP 

Underwritten covers topics related to life, health, disability and long-term care insurance. Our team of experienced attorneys and authors offers insight on the issues insurers face as they seek to serve their policyholders and to mitigate risk. The blog covers significant court decisions,...

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