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Edward J. Spencer, III


Edward (Ted) joined Mackenzie Hughes in 1981 and is now a partner in the firm. Ted’s primary areas of expertise are real estate, which includes residential and commercial, land use and zoning and municipal law. He has acted as counsel to various town and village boards and has also represented applicants appearing before municipal boards. Ted also handles contractual and regulatory compliance issues for a number of credit unions.


  • Member of the Onondaga County, New York State (Business, Municipal and Real Property Law Sections) and American (General Practice and Business Law Sections) Bar Associations
  • Member of the Civil Affairs Association and the Association of Graduates of the United States Military Academy
  • Volunteer at the Syracuse City Court, where he is a Small Claims Arbitrator
  • Member of the United States Army Reserves for 28 years and served in the Judge Advocate General Corps



  • Lectured for the American Institute of Bankers and is an adjunct professor at Onondaga Community College where he has taught in its Business Department
  • Five years of active military service
  • Bachelor of Science, United States Military Academy
  • Juris Doctorate, Cum Laude, Syracuse University College of Law
  • New York State Bar
  • U.S. District Court
  • Northern District of New York


October 3, 2015 – The Start of a New Era for Residential Mortgage Loan Closings

While October 3, 2015 came and went without any particular fan fair, it did mark the start of a new era in residential mortgage lending.  October 3 is the effective date for the Consumer Financial Protection Bureau’s new combined Truth in Lending – Real Estate Settlement Procedures Integrated Disclosure (a/k/a “TRID”).  For all residential mortgage…

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