Harold B. Scoggins, III


Compliance and Payment Systems Specialist

Since 1991, Hal has been representing credit unions, banks, and other financial service providers on state and federal regulatory compliance matters, formation and operation of subsidiaries, contract negotiation and dispute resolution, bankruptcy and collection, and other issues related to structuring and delivering financial services to consumers and businesses.

His in-depth industry knowledge and practical legal advice help financial service providers meet the challenges of today's changing regulatory environment.

Hal has a special expertise in payment systems issues, helping clients navigate Uniform Commercial Code Articles 3, 4, and 4A, the NACHA rules, and various Federal Reserve rules and circulars. Hal provides consumer and business loan and deposit account documentation and disclosures, and helps clients resolve account disputes and other operational challenges.
He has a leadership role in the American Bar Association’s Business Section’s Credit Union Committee and is active with the ABA Consumer Financial Services Committee, and keeps up to date on potential legislation and regulations affecting financial institutions.

Little Known Facts:  Has a degree in French and spent a year in France | Grew up in Oklahoma and is a big University of Oklahoma Sooners fan - but we don't hold that against him  

Representative Matters

Hal regularly counsels and represents clients, and provides training and written guidance on issues such as:
  • Consumer lending compliance
  • Examination issues and regulatory enforcement actions
  • Commercial lending
  • Check and payment system disputes
  • Vendor contract negotiation and dispute resolution
  • Loan participations
  • Sale or securitization of loan portfolios
  • Bank Secrecy Act
  • E-Commerce
  • Advertising compliance
  • Corporate governance
  • Funds Availability
  • Bankruptcy

Speaking Engagements

Hal frequently conducts seminars, training sessions, and webinars on regulatory compliance and operational matters for the Northwest Credit Union Association, NAFCU, and other trade groups and financial service providers. 


George Mason University School of Law (J.D. 1991); Research Coordinator for the American Bar Association Task Force on UCC Article 5 (Letters of Credit)
Hampden-Sydney College (B.A Economics and French, 1984)


Oregon State Bar
Washington State Bar


Vice Chair of the American Bar Association Business Section's Credit Union Committee
Member of the ABA Consumer Financial Services Committee 

News & Events

FWW Client Alert - FCC's TCPA Autodialer Ruling Invalidated


On Friday March 16, 2018 the U.S. Court of Appeals for the D.C. Circuit issued its long-awaited decision on the FCC's 2015 ruling on autodialers under the Telephone Consumer Protection Act (TCPA). READ MORE

Collection Practices Guidance


In this Alert, we examine the collection practices that the CFPB found unfair, deceptive or abusive and provide guidance on specific collection practices that may be relevant for credit unions. READ MORE

Lender's Ability to Secure Property Before Foreclosure


Real estate lenders may face liability for acting to "secure" a property before a foreclosure sale under a recent Washington Supreme Court decision. READ MORE

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