Barkley Clark is well known as a national authority on commercial and financial services law. He is a partner in the law firm of Stinson Morrison Hecker LLP. He advises financial institutions and businesses around the country on a variety of UCC and federal banking law issues, including payment systems, secured transactions, and sales. A graduate of Amherst College and Harvard Law School, Mr. Clark is listed in Best Lawyers in America. During a teaching career spanning 35 years, he has taught commercial law at the University of Kansas School of Law, Georgetown Law Center, George Washington University, and the University of Virginia School of Law. His publications are relied on by practicing attorneys and bankers throughout the financial services industry and are frequently cited by federal and state courts. He has served as a special adviser to the Federal Reserve Board, the Commissioners on Uniform State Laws, and state legislatures around the country. In 2012 Mr. Clark was honored by The American College of Consumer Financial Services Lawyers with its Senator William Proxmire Lifetime Achievement Award for his significant contributions in the field of consumer financial services over his career. See all works by Mr. Clark

Barbara Clark is a former federal prosecutor and commercial litigator with over 25 years’ experience. She is a partner in the Commercial Law Institute, Greenwood, Virginia. Ms. Clark is a graduate of Hamilton College and the University of Maryland School of Law. She has been a partner in private practice specializing in commercial litigation and has represented financial institutions before federal and state regulators. One of Ms. Clark’s areas of special interest is financial fraud and risk management. She is a co-author (with Barkley Clark) of The Law of Bank Deposits, Collections and Credit Cards, The Law of Secured Transactions Under the UCC, and Clarks’ Guide to Electronic Check Collection. Ms. Clark has also co-authored (with Barkley Clark and Mark Hargrave) Truth in Savings: Legal Analysis and Compliance Strategies, and is a co-editor (with Mr. Clark) of two monthly newsletters—one on secured transactions and the other on bank deposits and payments.

Mark Hargrave is a partner in the law firm of Stinson Morrison Hecker LLP. His practice focuses on financial and commercial law matters, with special emphasis on issues involving payment systems, secured lending, and regulatory compliance. He advises financial institutions on all aspects of bank deposits, collections, and other paper-based payment systems, domestic and global. He also has extensive experience with both wholesale and retail electronic payment systems, including wire transfers, ACH payments, and stored value systems. He frequently speaks on these topics at regional and national programs. He is a graduate of Drake University’s School of Business with a degree in Accounting and of Drake University’s School of Law. He is the author of “National Banks: Branching Where No Bank Has Branched Before,” 39 Drake Law Review 383 (1990); “Liability of a Depository Bank for Negligence in Opening a Deposit Account,” Commercial Law Annual (1995); and “UCC Article 4–Bank Deposits and Collections,” Chapter 3, Missouri Commercial Law (2007). He is the co-author (with Barkley Clark and Barbara Clark) of Truth in Savings: Legal Analysis and Compliance Strategies; and (with Mark Ovington) of “A Practitioner’s Guide to Secured Lending Under Revised Article 8: Everything Is Under Control,” 16 Annual Review of Banking Law 397 (1997).