Richard Fulkerson brings over twenty five years of regulatory and financial experience to Patten, MacPhee & Associates, Inc. Before joining the firm as a Regulatory/Financial Consultant, Richard served as the Colorado State Bank Commissioner for twelve years. Prior to his appointment as Commissioner, he had been the Director of Examinations for the Division of Banking. During his tenure with the Division, assets held by state-chartered banks and trust companies increased from $12 billion to over $40 billion. Previous regulatory experience includes nine years with the Federal Home Loan Bank of Topeka as a Supervisory Agent, and subsequently Assistant Regional Director of the Office of Thrift Supervision in Kansas City. Earlier in his career he served as Vice President and Controller of a $200 million financial institution.

Richard is an expert in bank regulation. He has negotiated numerous corrective and enforcement actions, testified as a fact witness in criminal and civil cases, issued interpretive regulatory opinions, drafted regulations, and testified on legislative amendments. Richard has taught director training seminars, and made frequent presentations to industry groups on banking issues.

Richard holds an undergraduate degree in Business Administration from Chadron State College. He is a graduate of the Graduate School of Banking at Colorado.