Joseph M. Vincent

Conciliation & Mediation

Restorative/Transformational Intercession

Investigations

Joe Vincent brings to mediation, intercession, and investigations over 42 years of professional legal, government, business, human resource, and academic experience as a litigator and trial lawyer, business lawyer, corporate general counsel, financial services regulator, business executive, consultant, adjunct law professor, expert witness, consultant, and mentor . . . and also as a conciliator, mediator, and investigations lead.

Extra-Professional Activities: Acting, Literary Coaching, Travel, Writing.

A Favorite Quote: "The best way to find out if you can trust somebody is to trust them." - Ernest Hemingway

A Personal Quote: "The values that mean the most to me personally are faith, humility, trust, perfection, and joy. Humility is for me the most important of these values, even though it is easier to value it than it is to have it. Without it, one cannot have faith in anything or trust in anyone. Without trust, one cannot improve (work toward perfection). Without it, one can never experience joy."

Core Competencies

Administrative Law & Practice
Banking & Other Financial Institutions Law
Business Transactions
Consumer Finance Regulation & Compliance
Corporate Governance & Enterprise Risk Management
Digital Assets-Cryptocurrency and Decentralized Finance (DeFi)
Employment Law.
Financial Technology (FinTech) Law
Investigations
Legislation, Rulemaking & Government Relations
Mediation.
Real Estate & Real Estate Finance (Commercial, ADC & Residential) Law

Professional Experience

Olive Branch Solutions, LLC. May 2023 - Present.
Joseph M. Vincent, Ltd., P.C. Of Counsel to Harper Law Offices, Inc., P.S. January 2023 - Present.
Chief Legal Officer. Farmington State Bank. May 2022 - December 2022.
Joseph M. Vincent, Ltd., P.C. Of Counsel to Harper Law Offices, Inc., P.S. May 2021 - April 2022.
Director of Regulatory & Legal Affairs (f/k/a General Counsel). Washington State Department of Financial Institutions (DFI). March 2003 – April 2021.
Strategic Planning, IT Systems Design & Project Management, & Regulatory Compliance. February 1998 – February 2003. hbausa.com, Inc. 1998-2000. Chief Operations Officer. Agent Assist®. 1998-1999. Seattle. Project Manager. LoanOS. 2000. Las Vegas & Seattle. Principal Architect & Project Manager. YourBankOnline, Inc. October 2000 – February 2001. Mountlake Terrace. “Workout” CEO . PKI Solutions, Inc. 2001-2002. Las Vegas. Project Manager for HIPAA-compliant, Beta-test stage electronic prescription system.
President and Designated Broker - Licensed Mortgage Broker. The PSR Mortgage Group. February 1998 – October 2000. Seattle.
Legal, Regulatory & Loan Administration Manager. Washington Federal, N.A. (f/k/a Washington Federal Savings). Seattle. December 1986 – January 1998
Solo Litigation Practice. Seattle. November 1985 – November 1986.
Litigation Associate. Franco, Asia, Bensussen, Coe & Finegold. Seattle. June 1981 – October 2005.
Housing-Development Legislative Consultant. San Francisco. November 1979 – February 1980.

Professional Teaching & Mentorship

Adjunct Professor of Law. 2017 - Present. Seattle University School of Law. Financial Institutions Law & Policy | Introduction to the Law of Financial Technology (FinTech) | Payment Ecosystems from Barter to Bitcoin.
2019 Adjunct Law Professor of the Year. Seattle University School of Law.
Board of Advisors & Resident Affiliate – LLM Program in Innovation & Technology Law. August 2016 – Present. Seattle University School of Law. Co-developed the Master of Laws Program in Innovation & Technology Law.
Civil Externship Supervisor. January 2012 – March 2021. Seattle University School of Law. Government Externship Program – Civil.
2015 Civil Extern Supervisor of the Year. Seattle University School of Law.
Instructor. 1987 – 1996. Institute of Financial Education, Real Estate Law & Commercial Law.
Instructor. 1990 – 1992. American Institute of Banking, Basic Principles of Contract Law.

Significant Legislation & Rules Drafting

2019-2021: Washington Banking Laws Modernization Acts (Drafts)
2019: Washington Trust Institution Act Amendments
2015: WSBA Task Force - Title 11 RCW Amendments re: Prudent Investor Rule, Delegation by Trustees & Directed Trusts (Directed Trustees & Statutory Trust Advisors).
2015: Washington Credit Union Act Amendments.
2014: Trust Institutions Modernization Act (the new Title 30B RCW, effective 01/05/2015).
2013: Technical Banking Law Amendments (including Lending Limits)
2013: Post-Dodd Frank Derivatives (Lending Limits) Rulemaking (Ch. 208-512A WAC).
2011: Washington Trust Company Amendments (Limited Liability Company Authority for Trust Companies).
2010: Washington Commercial Bank & Savings Bank Modernization Amendments (Title 30 RCW & Title 32 RCW – Revised Standards for Supervision & Enforcement).
2008: Technical Advice to Legislature re: Mortgage-Related Bills.
2007: Report on Governor’s Task Force on Homeowner Security (Principal Drafter).
2007: Washington Commercial Bank Act Amendment (Interstate Branching Limitation for Banking Affiliates of Commercial Holding Companies, Title 30 RCW).
2006: Business Development Company Act of 2006 (Ch. 31.24 RCW).
2005: De Novo Interstate Bank Branching Reciprocity Amendments.
2005: Washington Limited Liability Company Act Amendments (Banking Law).
1997: Washington Electronic Authentication Act (Ch. 19.34 RCW).
1992: Major Washington Construction Lien Law Amendments (Ch. 60.04 RCW – Lending Industry’s Representative, 1990 Legislative Task Force on Construction Lien Laws).

Significant Speeches & Presentations

2023: Sixth Annual Symposium on Innovation & Technology Law— Enabling Innovation in Law and Society. Moderator & Presenter, Panel entitled Banking, Capital Markets & The Crypto Revolution: A Look-Back and Projection of the Future of FinTech.
2022: NASCUS San Diego National Meeting of State Regulators. Presenter, "Digital Assets/Cryptocurrency: Overview & Outlook for Application in the Credit Union System."
2022: Fifth Annual Symposium on Innovation & Technology Law—Deep Innovation Dives. Moderator & Presenter, Panel entitled Plunging into Deep Water: An Immersion in FinTech, DeFi, & Web3.
2021: Fourth Annual Symposium on Innovation & Technology Law—Diversity & Equity. Moderator & Presenter, Panel on Promoting Equity in FinTech.
2021: CLE – “Racial Justice & Financial Empowerment: History & Policy Explored. Department of Financial Institutions. Presenter.
2020: Third Annual Symposium on Innovation & Technology Law—Privacy. Co-Sponsorship: Seattle University School of Law & Perkins Coie LLP. Co-Chair. Moderator, Panel on “Social Credit from Beijing to Silicon Valley.”
2020: Summer Institute on Innovation, Technology & Entrepreneurship (SITIE). Seattle University School of Law. Co-Panelist, “The Tokenization of Real Estate.”
2019: Second Annual Symposium on Innovation & Technology Law—RegTech. Co-Sponsorship: Seattle University School of Law & Perkins Coie LLP. Co-Chair. Moderator, FinTech Panels.
2018: First Annual Symposium on Innovation & Technology Law—FinTech | Distributed Ledger Technology. Co-Sponsorship: Seattle University School of Law & Fenwick & West. Co-Chair. Moderator, Regulatory Panels.
2018-2020: CLE – Introduction to Financial Law Institutions & Policy (7-Session, 25 Hour) Course. Financial Legal Examiner Professional Development Program. Department of Financial Institutions. Curriculum Developer & Principal Instructor.
2016: CLE – “State of the States: E-Signature Laws and Electronic Government Filings,” Business Law Section Annual Meeting, American Bar Association, Boston, MA. Program Chair & Presenter.
2016: CLE – Marijuana Policy in Washington State: Moving Forward – “Banking: The Government Perspective – Recent Developments and Litigation around Banking, Bankruptcy, and Marijuana,” University of Washington School of Law, June 14, 2016. Presenter on Federal Anti-Money Laundering Policy.
2015: CLE – “Cannabis Law in Washington: An Update,” Department of Financial Institutions. Presenter.
2015: CLE – 2015 Legal Symposium – “Survey of 2014-2015 Case Law of Interest to Credit Unions,” Northwest Credit Union Association, SeaTac, Washington. Co-Presenter.
2015: CLE – Part 3 of Real Estate Secured Transactions Series: The Big Picture in Residential Mortgage Lending – Post-Origination, Secondary Market, Loan Servicing & Emerging Trends, “Keynote Address – The Transformation of Residential Mortgage Lending,” Department of Financial Institutions. Program Chair & Co-Presenter.
2014: CLE – Part 2 of Real Estate Secured Transactions Series: Washington Mortgage Law & The Mortgage Crisis: The Legislative & Judicial Response, “Keynote Address – Introduction: The Roller-Coaster Ride with Residential Mortgages in Washington,” Department of Financial Institutions. Program Chair & Co-Presenter.
2014: CLE – Washington State: Case Study in Legislative & Judicial Response to the Mortgage Crisis, Conference of State Bank Supervisors Legal Seminar, San Diego, California. Panelist.
2013: CLE – “Cannabis in Washington State: Regulatory Update on Banking Issues,” The Seminar Group, Seattle, Washington. Presenter.
2011: CLE – Joint Presentation & Panel Discussion: “The Financial Crisis – Bank Closures,” Seattle University School of Law and Albers School of Business, Seattle, Washington. Panelist.
2010: CLE – “The Dodd-Frank Act Wall Street Reform & Consumer Protection Act of 2010 – What It Will Do? What It Means for Washington State Government?” Department of Financial Institutions. Program Chair & Co-Presenter.
2010: CLE – Part 1 of Real Estate Secured Transactions Series: “The Collateralization of Real Estate – The Basics of Mortgages, Deeds of Trust, and Real Estate Contracts,” Department of Financial Institutions. Principal Speaker.
2009-2010: “The Perfect Storm – The Causes of the Financial Crisis.” Presentation and speech given at various times to groups of government attorneys and to government and private sector auditors (including the 2010 Seattle Banking Lawyers Forum c-sponsored by Washington Bankers Association and Davis Wright Tremaine).
2009-Present – CLE – “Annual Case Law Developments,” Department of Financial Institutions. Co-Presenter.
2009-2015 – CLE – “Annual Legislative Session Recap,” Department of Financial Institutions. Co-Presenter.
2009: CLE – “Federal Preemption of State Financial Services Laws,” Department of Financial Institutions. Presenter.
2008: State Law Developments Subcommittee Meeting – “The Treasury Secretary’s Plan & the Future of the State-Banking Charter,” American Bar Association Spring Business Section Meeting, Dallas, Texas. Co-Presenter.
2007: State Law Developments Subcommittee Meeting – “Multi-Factor Authentication & Online Banking,” American Bar Association Spring Business Section Meeting, Tampa, Florida. Co-Presenter.
2007: CLE – “Introducing the CSBS Law Wiki,” Conference of State Banking Supervisors Legal Seminar, Portland, Oregon. Presenter.
2006: State Innovation – The Washington Business Development Company Act, ABA Banking Law Committee Newsletter.
2004: State Law Developments Subcommittee Meeting – “Federal Preemption & National Bank Charter Concentration,” American Bar Association Spring Business Section Meeting, Seattle, Washington. Co-Presenter.
2004: CLE Panel – “National Bank Act & the Assertion of Exclusive Visitorial Power over National Bank Operating Subsidiaries,” American Bar Association Spring Business Section Meeting, Seattle, Washington. Co-Panelist.
1984-1996: Various presentations sponsored by Washington State Bar Association, King County Bar Association & Washington Financial League, including (as Presenter):

CLE – Lender Techniques in Workouts & Chapter 11

CLE – Dealing with Your Lender in a Divorce

CLE – Divorce Tax Reform Act of 1984

Formal Education

Golden Gate University School of Law. Juris Doctor Degree. June 1979.
University of California - Berkeley. Bachelor of Arts Degree, high honors, Rhetoric. Minor in Political Science. June 1975.

Ad Hoc Professional Training

2013: LEAN Training, State of Washington.
2013: Mediation Training Certificate Program, Pierce County Center for Dispute Resolution.
2011: Commissioned Centurion/Colson Fellow (C9).
1988: Human Resource Management Training, Institute of Financial Education.
1987: The Leadership School, Institute of Financial Education, St. Louis, Missouri.
1986: King County Bar Association Mediation Program.

Bar Membership

Admitted to practice law in Washington State since June 1981
Admitted to practice law before U.S. District Court, Wester District of Washington.
Washington State Bar Association No. 11549
Member, American Bar Association | Business Law Section | Banking Law Committee