Experts in Financial Services Regulation
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Representative Experience

Fintech
and Marketplace Lending

  • Counseled fintech companies on financial regulatory and compliance ranging from licensing and product development, to fair lending and anti-money laundering.

  • Advised on development and implementation of enterprise-level risk management programs and compliance management systems.

  • Assisted fintechs in developing critical third-party relationships (including bank-partner agreements, servicing agreements, and asset purchase and sale agreements, including those agreements involving issues such as "true lender" risk).


Bank Regulation
and Payments

  • Represented banks in transactions, including matters requiring regulatory approvals from U.S. federal and state bank regulatory agencies, and developed compliance frameworks for various business combinations.

  • Advised a foreign banking organization in drafting U.S. resolution plans and developing recovery and restructuring strategies.

  • Advised banks on payments issues regarding deposit access devices, including Automated Clearing House (ACH) and wire transfer transactions.

  • Represented financial institutions in investigations and enforcement proceedings before state and federal bank regulatory agencies.


Blockchain, Virtual Currencies, and Money Services Businesses

  • Advised companies on regulatory frameworks applicable to virtual currencies, cryptocurrencies, and blockchain.

  • Assisted a virtual company in applying for, and obtaining, required state money transmitter licenses and structured partnerships with banks and other ecosystem players.

  • Provided strategic advice to venture capital funds investing in initial coin offerings (ICOs).

  • Advised U.S. retailers on financial regulatory and contract issues related to retail acceptance of digital currencies.