Banks and Credit Unions
Areas where We Excel:
- Technology infrastructure for banks and credit unions
- Cloud solutions for retail and business banking
- Regulatory compliance
- AML, KYC and data management compliance platforms
- Venture investing and growth capital
- B2B and B2C Ecosystems
- Triangular arrangements with ecommerce companies for regulatory compliance (e.g., lending, money transfer, etc.)
- Payment processing agreements
- Inbound and outbound license agreements
- Technology/IP diligence and valuation for lending and collateral assessment
- Commercial agreements
- Vendor agreements
- Data collection and monetization
- Banking point of sale (POS) solutions and customer self-service
- Mobile payments and wallets
- Mobile banking
- Electronic transactions
- Electronic/digital signatures
- Loyalty programs and incentive-based consumer compensation (Regulation E and State laws)
- Regulation E compliance (e.g., electronic tansactions, prepaid accounts, etc.)
- Ecommerce arrangements for money transfer (exclusions from State laws and NMLS registration)
- Ecommerce arrangements for Money Services Business models (FinCEN registration and Federal laws)
- Settlement for card transactions (Card Network Rules for VISA, MasterCard, Discover, American Express, others)
- Credit Cards, Debit Cards, ATMs, ACH, and other electronic payments
- US privacy and data security compliance
- HIPAA compliance
- GDPR compliance
Experience:
We have represented or closed complex transactions with many prominent banks and financial entities, including the following:
- Adyen
- Ally Bank
- American Express
- Apple
- Bank of America
- Capital One Bank
- Chase Paymentech
- Citibank
- Citizens Bank
- Discover
- JPMorgan Chase
- Mastercard
- Moneris
- Morgan Stanley
- PayPal
- Shopify
- Square
- Stripe
- Target
- VISA
- Walmart
- Wells Fargo
- Worldpay ... and others
