Innovations in financial technology are creating a “new normal” that presents intense challenges for industry leaders, unique opportunities for new entrants, and considerable pressures on regulators trying to keep up with the pace of change. We help our clients navigate new paths to growth in this complex, fast-moving environment.

Comprehensive Legal Counsel for the Fintech and Payments Industry

Our global team offers clients unparalleled expertise in fintech, payment systems, bank regulatory, and legislative issues. We represent an array of U.S. and international clients, including both leading global financial institutions and innovative start-ups. Our range of transactional and regulatory engagements gives us unparalleled insights into both “what’s market” today—in markets around the world—and critical new developments that may impact our clients.

Transactional Advice that Advances Innovation

• We advise some of the world’s largest payments networks on domestic and international mobile payments issues, new global money transmission products, and strategic acquisitions to expand network operations internationally

• Our team advises clients on issues specific to the financial services, direct marketing, and healthcare industries, as well as other international business activities.

• Our team has worked on some of the most significant and complex M&A and capital raising transactions in the industry—ranging from community bank acquisitions to multi-billion-dollar deals involving major national and international institutions and financial services firms

Insightful Government Affairs and Regulatory Advice

• We represent clients before every U.S. federal banking agency and many state banking agencies in matters involving regulatory initiatives, regulatory legislation, and enforcement actions, as well as before the Financial Services Authority in the UK

• Our lawyers have deep experience drafting complex financial legislation and navigating it through the legislative process

• Our team conducts system-wide compliance reviews and internal investigations, and regularly advises clients on Bank Secrecy Act and USA PATRIOT Act requirements, as well as Dodd-Frank Act compliance issues, OFAC regulations, and U.S., EU, and other anti-money laundering rules and regulations

Client Successes

• Helped to launch Samsung Pay in the U.K., the U.S., and South Korea on a tight schedule using a strategy that reinvented the way financial services contracts are created and negotiated.

• Advising Paysafe and Skrill on a wide range of payments-related issues concerning gaming and gambling, including card association and federal regulatory considerations, along with negotiation of payment processing agreements for gaming solutions.

• Advised Fiserv on the financial services regulatory work related to its $22 billion acquisition of First Data.

• Advised Gemini on the launch of their stablecoin cryptocurrency, the Gemini dollar, providing regulatory counsel with regard to both state and federal law.

• Advising Hedera Hashgraph, a Texas-based developer, regarding a distributed ledger platform on regulatory compliance, corporate governance, CFTC and commodities law, securities law compliance, litigation counselling, cybersecurity, and other matters.