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William T. Repasky
Counsel
Louisville, KY
Counsel
Louisville, KY
Bill represents financial services clients in litigation, operations and compliance. Prior to joining the firm, Bill worked as in-house counsel for National City Bank, handling the Bank’s commercial, retail and operational litigation. He is a graduate of the University of Michigan (B.A.) and Vanderbilt University Law School (J.D.).
Bill has experience in the credit and debit card industry, including those issues unique to transaction Acquirers. He served as in-house counsel to National Processing Company, then the nation’s second largest acquirer of card transactions.
Ransomware, BEC & cyber fraud, electronic payment disputes, vendor contracts, cryptocurrency compliance and money services business issues.
Complex lender liability, embezzlement and corporate fraud, check kiting, commercial mortgage fraud, broker/dealer litigation, money transmitter laws, letters of credit, equine lending disputes, credit defamation claims, work-out negotiations and commercial collections and foreclosure.
Class action defense, fiduciary liability, TILA, FACTA/FCRA, FDCPA, HMDA, Kentucky’s CPA rules, identity theft and notification, lien release claims, mortgage disputes, and full scope of check and account disputes.
UCC Articles 3, 4, 4A and 9, Internet/electronic banking, cyber security, class action defense, deposit account agreements, garnishments and wrongful attachment, discrimination, BSA/AML Compliance, Wire, ACH, EFTA, privacy issues and other federal and state financial laws and regulations.
Vanderbilt University Law School, J.D., 1986
University of Michigan, B.A., 1983
“Ransomware: What to Do When Your Bank Gets Hit, Part 1”, Independent Correspondent Bankers’ Bank Podcast, March 27, 2023.
“’ESG’ – Governance in the Law of Financial Institutions,” University of Kentucky Banking Law Conference, September 29, 2022.
“Leadership Issues for Guiding Your Organization in the Age of Ransomware,” 8/31/2022, The Kentucky Health Law Institute, Lexington, KY, August 31, 2022.
“Cryptocurrency: What are Cryptocurrencies, Their Use-Cases and the Unanswerable Questions of Their Future in Our Economy,” Rotary Club, Louisville, KY, August 11, 2022.
“Cyber Bank Fraud: Hottest Topics for Bank and Their Customers,” Webinar, July 21, 2022.
“Key Leadership Issues for Preparing Your Business for the Growing Ransomware Threat”, 2022 DRI Super Conference, Houston, TX, March 23, 2022.
“Banning virtual currency kiosks is no solution to fraud,” Cointelegraph, August 2025
August 22, 2025 | In the News
Bill Repasky, attorney at Frost Brown Todd, authored an article for Cointelegraph, “Banning Virtua...
May 21, 2025 | Blogs
A new bill passed in Kentucky, called “An Act Relating to Blockchain Digital Assets” (the “Act...
May 14, 2025 | Presidential Administration Impacts
On May 12, 2025, the Consumer Financial Protection Bureau (CFPB) announced the withdrawal of various...
December 11, 2024 | Corporate Transparency Act
As many have already heard, on December 3, 2024, a federal district court in Texas issued an order g...
September 29, 2023 | Corporate Transparency Act
The Corporate Transparency Act (CTA) may be the most consequential federal law in recent memory. To ...
September 28, 2023 | Blogs
This was originally published in Reuters Legal News (September 28, 2023). In Private Equity, a Port...
July 28, 2023 | Blogs
The Corporate Transparency Act (CTA) is scheduled to take effect in a matter of months (on January 1...
July 28, 2023 | Publications
Businesses operating in multiple states should take heed of the U.S. Supreme Court’s recent opinio...
June 26, 2023 | Publications
Business email compromise (BEC) fraud is the number one cybercrime faced by American businesses, as ...
May 26, 2023 | Blogs
Business leaders will find important information in the #StopRansomware Guide developed through the ...
March 16, 2023 | Publications
Bank customers currently overwhelmed by mitigating risks associated with accounts, fund recovery and...
In the News:
Why Bitcoin ATMs Are Vexing RulemakersPublication: Politico
Publish Date: July 6, 2022
March 31, 2022 | Publications
The Cyber Incident Reporting for Critical Infrastructure Act of 2022 (the “Act”), a part of the ...
July 28, 2021 | Blogs
Ransomware. It’s in the headlines. It’s digital organized crime across borders. When an organiza...
April 6, 2021 | Blogs
Hemp and CBD businesses continue to face challenges with banking, credit card processing and other f...
9:00 am – 10:30 am
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February 4, 2021 | Blogs
A business’ routine and seemingly mundane operational practices can sometimes have material legal ...
January 28, 2021 | Blogs
A new requirement has been imposed upon businesses within the massive National Defense Authorization...
January 21, 2021 | Blogs
This webinar provides a primer on the ever-evolving state and federal laws and regulations concernin...
January 15, 2021 | Publications
All banks should note the important guidance covering the consumer reporting data transmissions cont...
1:00 pm – 2:00 pm
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9:00 am – 10:30 am
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3:30 pm – 4:30 pm
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October 2, 2020 | Publications
For the first time, many credit unions, trust companies and other institutions will soon find themse...
July 24, 2020 | Blogs
On July 22, 2020, the Office of the Comptroller of the Currency (“OCC”) released Interpretative ...
July 24, 2020 | Blogs
Effective July 15, 2020, Kentucky statutorily empowered its first “Blockchain Technology Working G...
July 16, 2020 | Blogs
Holders of unclaimed or abandoned property should familiarize themselves with their state’s proced...
July 13, 2020 | Blogs
One of the most important areas for banks and credit unions to master is the handling of situations ...
April 22, 2020 | Blogs
Banks and their lawyers know that lender liability cases come in all shapes and sizes. One of the co...
April 20, 2020 | Coronavirus Response Team
The deadline of May 1, 2020, for insurance companies1 to report unclaimed property to the Kentucky S...
April 16, 2020 | Blogs
Much discussion has been had during the past weeks with regards to assisting mortgage borrowers by a...
April 14, 2020 | Blogs
A Joint Statement[1], “Supervisory and Enforcement Practices Regarding the Mortgage Servicing ...
In the News:
Community Banks and Credit Unions Are Targeted With Class Action Lawsuits for Non-sufficient Funds and Overdraft Charge PracticesPublication: The Banking Law Journal
Publish Date: April 1, 2020
March 23, 2020 | Blogs
It seems like we are all remote bankers now. With branch operations restricted and teller lines clos...
March 18, 2020 | Blogs
Hailey Nolan, depository division director for Kentucky’s Department of Financial Institutions, to...
March 18, 2020 | Blogs
Financial institutions across the country are adjusting branch operations in response to COVID-19. ...
March 11, 2020 | Blogs
Yesterday, March 10, Dr. Anthony Fauci, Director of the National Institute of Allergy and Infectious...
March 9, 2020 | Blogs
Bankers in the fintech space are familiar with the FFIEC’s Guidance recommending multi-factor auth...
February 7, 2020 | Blogs
Many banks and credit unions are only too well aware that they are the targets of an industry of pla...
In the News:
It’s 2020, & Everyone Is a Bank: Big Tech’s Push Into FinancePublication: Finance Magnates
Publish Date: January 15, 2020
Associated Attorneys: William T. Repasky
January 7, 2020 | Blogs
Governmental officials and cyber security experts currently anticipate that Iran’s responses to re...
December 11, 2019 | Blogs
Overview The new industrial hemp industry presents financial institutions with exciting business o...
December 4, 2019 | Blogs
Four key federal banking regulatory agencies, joined by the Conference of State Bank Supervisors, is...
In the News:
The ABCs of Bitcoin ATM Regulation and Compliance in the USPublication: ATM Marketplace
Publish Date: November 26, 2019
September 17, 2019 | Blogs
Should state Attorney General’s (AG’s) intrude in the private market place to influence the cho...
May 7, 2019 | Blogs
Hemp-related business opportunities are exploding, particularly in Kentucky. Interested private equi...
August 24, 2018 | Blogs
SAVE THE DATE: August 28, 2018, at 3:00 p.m. EST The growing importance of blockchain businesses, a...
May 1, 2018 | Blogs
When does a modification to or extension of a commercial loan constitute the act of opening a &ldquo...
April 18, 2018 | Blogs
On April 17, 2018, New York Attorney General Eric T. Schneiderman (the “NY AG”) launched...
March 27, 2018 | Blogs
Many entrepreneurs and existing companies exploring opportunities in the fintech space often experie...
September 14, 2017 | Blogs
As previously discussed, Bitcoin ATMs are a growing industry, offering consumers great flexibility i...
September 14, 2017 | Blogs
Depending on the state where the Bitcoin ATM operator sets up the business, the operator may – or ...
September 14, 2017 | Blogs
The traditional ATM is a truly ubiquitous part of our culture. Although the first American ATM was n...
April 28, 2017 | Blogs
On Wednesday, April 26, the Conference of State Bank Supervisors (the “CSBS”) filed suit...
March 2, 2017 | Blogs
On February 27, 2017, The Financial Crimes Enforcement Network (“FinCEN”) fined Merchant...
May 19, 2015 | Blogs
Many banks are now evaluating the pros and cons of using the new “.bank” domain. F...
January 28, 2015 | Blogs
Those practicing in the payments space know that recorded judicial decisions are few and far between...
January 9, 2015 | Blogs
Towards the end of 2014, two new national savings laws were signed by President Barack Obama. ...