Profile

Thomas Quinn, Jr.
Thomas P. Quinn, Jr.
Partner
774.365.4758    
  • LinkedIn JD Supra
Massachusetts
1822 North Main Street
Annex Second Floor - Suite 003
Fall River, MA 02720
774.365.4758
Fax: 410.684.2001
Best Lawyers Award Badge
Practices
Banking
Credit and Debit Cards
Education Lending
Payment Systems
Professional Experience

Tom is a partner in the firm's Massachusetts office. He has significant experience advising community, regional and national banking institutions on the development, maintenance and documentation of consumer deposit products, consumer electronic banking services and a wide variety of consumer credit products (including residential mortgages, home equity loans/lines of credit, personal loans/lines of credit, credit cards, student loans, and retail installment sales transactions of motor vehicles and other goods and services). Tom also regularly advises both banks and service providers on marketing and advertising matters, privacy and data security issues (including breach notification requirements) and non-depository institutions on matters related to the state licensing requirements for lenders, loan brokers, loan servicers, credit service organizations, money transmitters and debt collectors.

Tom has served as an adjunct professor at the Roger Williams University School of Law, lecturing on consumer law and consumer protection issues.

Tom was a partner with Pierce Atwood LLP's Banking & Financial Services Practice Group and was Partner-in-Charge of the firm's Boston office. He was Corporate Counsel to Citizens Bank and was also employed by BankBoston.

Tom is a member of the American Bar Association's Business Law Section, Consumer Financial Services Subcommittee and is admitted to practice in Massachusetts.

Tom received his law degree in 1994 from Case Western Reserve University School of Law and his Bachelor of Arts, magna cum laude, from Fairfield University.

Professional Activities

Member, American Bar Association, Business Law Section, Consumer Financial Services Subcommittee

Speaking Engagements
  • "Deposit Account Workshop," Massachusetts Bankers Association, 2020-2024
  • "Junk Fees Update," Hudson Cook Annual Compliance Conference, November 2024
  • "State Enforcement and Litigation Update," National Automotive Finance Association, October 2024
  • "Junk Fee Update: Where Are We, and Where are We Going?", Massachusetts Bankers Association, May 2024
  • "Compliance Coffee Break - Massachusetts Negative Equity Licensing Revisions: What Does it Mean?", February 2023
  • "Bank Regulatory Compliance in the Shadow of COVID-19," Hudson Cook Compliance Coffee Breaks, March 2020
  • "Recent Issues With Post Repossession Accounting," New England Adjustment Managers Association, September 2019
  • "Compliance Potpourri," Annual Meeting of the Eastern Massachusetts Compliance Network, November 2018
  • "Electronic Fund Transfers, Cross-Border Data Breach and Data Security Considerations, and Overdraft Lessons Learned," Quarterly Meeting of the Eastern Massachusetts Compliance Network, February 2017
  • "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Spring Compliance Conference of New Hampshire Bankers Association / Vermont Bankers Association, May 2016
  • "Incident Response - Your Response May Hurt More Than the Attack," WolfPAC User Conference, October 2015
  • "Deposit Compliance Issues," Massachusetts Bankers Association Compliance Academy, September 2015
  • "Massachusetts Bank Modernization Act," Quarterly Meeting of the Eastern Massachusetts Compliance Network, April 2015
  • "Social Media Compliance Considerations," Quarterly Meeting of the Western Massachusetts Compliance Association, February 2015
  • "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network, November 2014
  • "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Massachusetts Bankers Association Webinar, October 2014
  • "The Legal and Regulatory Risks of Banking Medical Marijuana Businesses," Fall Compliance Conference of New Hampshire Bankers Association / Vermont Bankers Association, October 2014
  • "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network, November 2013
  • "Risk Managers Forum on Social Media Implementation," Massachusetts Bankers Association, June 2013
  • "Dodd-Frank Mortgage Reform and Anti-Predatory Lending," Massachusetts Continuing Legal Education, June 2013
  • "The Massachusetts Debt Collection Regulations, New Attorney General Guidance, and Other Collection Rules: What They Mean for Bankers," Massachusetts Bankers Association, March 2013
  • "Signature Card Fundamentals," Lorman Education Services, March 2013
  • "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network, November 2012
  • "Advertising Pitfalls," National Association of Dealer Counsel Fall Conference, October 2012
  • "Remittance Transfer Rules," Western Massachusetts Compliance Association Quarterly Meeting, September 2012
  • "Deposit Account Rules and Ancillary Issues," Twentieth Annual Massachusetts Bankers Association Compliance Academy, September 2012
  • "Social Media and Consumer Credit Compliance," Ninth Annual Hudson Cook Housing & Auto Finance Workshop, May 2012
  • "Compliance Oddities," Annual Meeting of the Eastern Massachusetts Compliance Network, November 2011
  • "FDIC and Overdraft Rules: FAQ and Assessing Risks", Webinar Sponsored by American Banker, BTN and US Banker, April 2011
  • "Dodd-Frank Compliance Surprises," ABA Business Law Section CLE Webinar, February 2011
Publications
  • "What the Massachusetts 'Junk Fee' Rules Mean for Automotive Sales and Marketing Efforts", Volume 27, Issue 9 of Spot Delivery®, April 2025
  • "Massachusetts Junk Fee Regulation Presents Challenges to Advertising of Bank Deposit Products," Hudson Cook Insights, March 2025
  • "CFPB Proposed Overdraft Rule: How We Got Here and Where are We Going?", Conference on Consumer Finance Law Quarterly Report, Volume 77 (December 2024)
  • "New York Bill Would Broadly Expand Regulation Over Financial Transactions," co-author with Kate Fisher, Law360.
  • "New York Financing Arrangements Bill Would Have Major Implications for Commercial Financing," Hudson Cook Insights, March 2024
  • "New York Amends Credit Card Surcharge Statute," Hudson Cook Insights, February 2024
  • "Unpacking the CFPB's Proposed Overdraft Rule," Hudson Cook Insights, January 2024
  • "CFPB Bites of the Month - 2023 Annual Review - Payments," co-author, Hudson Cook Insights, January 2024
  • "CFPB Bites of the Month - 2023 Annual Review - Student Lending," co-author, Hudson Cook Insights, January 2024
  • "Massachusetts Attorney General Proposes Regulation Governing 'Junk Fees' and Other Sales Practices," Hudson Cook Insights, November 2023
  • "New York Moves to Vest DFS With Control Over Certain Deposit Charges," Hudson Cook Insights, November 2023
  • "How Much is Too Much?", co-author, Hudson Cook Insights, April 2023
  • "New York Revises Benchmark for Subprime Calculation," Business Law Today Month-in-Brief, January 2023
  • "Is Overdraft Income at a Tipping Point?", Hudson Cook Insights, January 2023
  • "Massachusetts Issues Student Loan Servicing Conduct Rules," Hudson Cook Insights, July 2021
  • "Massachusetts About to Join the Ranks of States Licensing Student Loan Servicers," Hudson Cook Insights, June 2021
  • "The City that Never Sleeps on Debt Collection: A Primer on New York City's Debt Collection Regulations," Hudson Cook Insights, September 2020, co-authored with Anastasia Caton
  • "New York Department of Financial Services Extends Student Loan Relief to Private Student Loans," Hudson Cook Insights, April 2020
  • "Regulation of Student Loan Servicers: What's Out There, and What's Coming," Hudson Cook Insights, May 2019, co-authored with Eric Mulligan and Ryan Stinneford
  • "New York Licensed Lender Annual Fee Authority to Sunset. Or Will It?" Hudson Cook Insights, February 2019
  • "Implications of New York Starter Interrupt Device Law Remain Unclear," Hudson Cook Insights, November 2018, co-authored with Nicole Munro
  • "Massachusetts Supreme Court Rules on Debt Collector Licensing of Passive Debt Buyers," Hudson Cook Insights, April 2018
  • "New York Launches Education Initiative and Issues Additional Guidance Regarding "Zombie Property" Obligations," Hudson Cook Insights, September 2017
  • "New York 'Zombie Property' Rules Go Live," Hudson Cook Insights, February 2017
  • "Massachusetts Enacts Law Regulating 'Transportation Network Companies'," Hudson Cook Insights, August 2016
  • "Western Sky and Related Companies Settle With Massachusetts Regulator," Basis Points®, Issue 73, November 2015
  • "Massachusetts Finalizes Flood Insurance Regulation," Basis Points®, Issue 70, August 2015
  • "Massachusetts Adopts New Flood Insurance Requirements," Basis Points®, Issue 63, December 2014 / January 2015
  • "Overdraft Rumblings Continue," Basis Points®, Issue 59, August 2014
  • "Massachusetts Attorney General Sues Fannie and Freddie over Foreclosure Buyback Issues," Basis Points®, Issue 57, June 2014
  • "Time to Rethink ESIGN 'Consent Handshake" Standards?" Basis Points®, Issue 56, May 2014
  • "The Regulatory Noose Tightens on Payment Processors and 'High Risk' Merchants," Basis Points®, Issue 50, October 2013
  • "Massachusetts Finalizes Revisions to Servicing Regulation," Basis Points®, Issue 50, October 2013
  • "Virtual Currency Provider Liberty Reserve Sanctioned by Feds," Basis Points®, Issue 46, June 2013
  • "Massachusetts Issues Right to Modify Regulation and Model Form," Basis Points®, Issue 46, June 2013
  • "Massachusetts Division of Banks Takes Action Against Tribal Lender," Basis Points®, Issue 44, April 2013, co-authored with Justin Hosie and Blake Sims
  • "Massachusetts Attorney General Issues Guidance on Debt Collection Regulations," Basis Points®, Issue 42, February 2013 (reprinted in Volume 15, Issue 9 of Spot Delivery®, April 2013)
  • "Massachusetts Division of Banks Releases Sample Notice for Mortgage Modification Rules; Template for Reporting and Proposed Regulations to Implement Rule," Basis Points®, Issue 41, December 2012 / January 2013
  • "Massachusetts Division of Banks Proposes Mortgage Servicing Rules," Basis Points®, Issue 40, November 2012
  • "Massachusetts Enacts Emergency Foreclosure Protection Law," Basis Points®, Issue 37, August 2012, co-authored with Frank Bishop and Danielle Cardona
  • "Recent Massachusetts Case Clarifies Foreclosure Standing Requirements," Basis Points®, Issue 36, July 2012, co-authored with Frank Bishop
  • "Massachusetts Attorney General Establishes HomeCorps Program," Basis Points®, Issue 35, June 2012
  • "Massachusetts Gender Identity Law Becomes Effective July 1st," Basis Points®, Issue 35, June 2012
  • "Massachusetts Attorney General Issues Revised Debt Collection Regulation," Basis Points®, Issue 33, April 2012
  • "Consumer Financial Protection Bureau Releases Advance Outline of Mortgage Servicing Rules," Basis Points®, Issue 33, April 2012
  • "Merchants, Payment Processors and Financial Institutions Face Increasing Scrutiny for Unauthorized Consumer Payment Transactions," Boston Bar Association Financial Services Section Newsletter, April 2012, co-authored with Ryan Stinneford
Recognition and Accomplishments

The Best Lawyers in America®, Banking and Finance Law, 2013-2022

Education

Case Western Reserve University School of Law, J.D., 1994

Fairfield University, B.A., magna cum laude, 1991

Admissions

Massachusetts, 1994