Harold B. Scoggins, III



Since 1991, Hal has been representing credit unions, banks, and other financial service providers on state and federal regulatory compliance matters, contract negotiation, dispute resolution, corporate governance, subsidiary operations, mergers, loan and deposit documentation, real estate, 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 extensive experience 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 is chair of 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 GoWest Credit Union Association (fka 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

CFPB Actions and Announcements Reflect Looming Changes in Financial Services Regulatory Landscape


Several recent actions and announcements by the Consumer Financial Protection Bureau (CFPB) signal important changes underway in the regulatory landscape for credit unions. READ MORE

FWW Alert - OSHA Vaccine Rule for Larger Employers


On November 4, 2021, the Occupational Safety and Health Administration (OSHA) issued an emergency temporary standard (ETS) mandating large employers to require COVID-19 vaccination or weekly testing of employees. READ MORE

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

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