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 
Multnomah Bar Association

News & Events

FWW Alert: Summary of Oregon HB 2009 – Foreclosure Moratorium and Loan Deferral


On June 1, 2021, Governor Brown signed HB 2009, which extends payment and foreclosure relief to homeowners affected by the Covid-19 crisis. READ MORE

FWW Special Alert: Oregon Legislative Passes Foreclosure Moratorium and Loan Deferral Bill


In a whirlwind legislative session that lasted three days, the Oregon Legislature enacted a bill on June 26, 2020 designed to give relief to homeowners and landlords hard hit by the Covid-19 crisis. READ MORE

FWW Alert - PPP Loan Forgiveness Period Extended and Restrictions Eased


Late on Wednesday, June 3rd, Congress passed the Paycheck Protection Flexibility Act ("PPFA"). READ MORE

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