The concept of a plane scatterer that was developed earlier for scalar waves is generalized so that polarization of light is included. Starting from a Lippmann-Schwinger formalism for vector waves, we show that the Green function has to be regularized before T matrices can be defined in a consistent way. After the regularization, optical modes and Green functions are determined exactly for finite structures built up of an arbitrary number of parallel planes, at arbitrary positions, and where each plane can have different optical properties. The model is applied to the special case of finite crystals consisting of regularly spaced identical planes, where analytical methods can be taken further and only light numerical tasks remain. The formalism is used to calculate position- and orientation-dependent spontaneous-emission rates inside and near the finite photonic crystals. The results show that emission rates and reflection properties can differ strongly for scalar and for vector waves. The finite size of the crystal influences the emission rates. For parallel dipoles close to a plane, emission into guided modes gives rise to a peak in the frequency-dependent emission rate.