Fintech Regulatory
Navigating the complex world of financial technologies
The world of financial technology—Fintech—is transforming at lightning speed. As these technologies become more integral to global banking and commerce, the regulatory frameworks surrounding them continue to grow increasingly intricate. At Fenwick, we help clients engaged in financial services, digital assets, and virtual currencies achieve their twin objectives of innovation and compliance. Our proven track record includes advising companies that disrupt traditional banking and guiding businesses through regulatory compliance, market entry, and product structuring to support their growth.
Fenwick’s fintech regulatory services cater to a diverse range of clients involved in lending, payment processing, and blockchain operations. We assist:
- Businesses partnering with banks and financial institutions
- Companies in disputes with banking institutions
- Businesses entering financial service provision, including lending, payment services, and remittances
- Blockchain-based offerings
- Department of Treasury, SEC, and CFTC regulated businesses
- Companies utilizing digital currencies, stored value, or gift cards
- Gambling and real-money gaming companies
- Any business needing FinCEN, Bank Secrecy Act, AML compliance, or policy advice
Wide-Ranging Client Support
From consumer-facing technology companies to virtual currency exchangers and blockchain enterprises, we are trusted by startups, high-growth private and public companies, and established players to address their most pressing legal needs in fintech. Our team is at the forefront of fintech and regulatory developments, advising clients on the risks and rewards of the changing financial services ecosystem. Leveraging deep technical, business, and legal knowledge, our attorneys offer a holistic and forward-thinking approach to regulatory considerations and legal challenges, including:
- Emerging payments, online and mobile payments, and microtransactions
- Licensing, compliance, and regulatory interventions in money transmission and consumer lending
- Payment ecosystem design and implementation
- Vouchers, coupons, promotions, and gaming
- Virtual currency risk assessment and business model development
- Prepaid card program design and vendor agreement negotiation
Proven Regulatory Expertise
We have represented clients in domestic and cross-border regulatory matters involving various agencies, including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau, and the Securities and Exchange Commission. We also guide our financial technology clients on their compliance obligations concerning their international operations and the licensing of their technologies to their international partners.
Innovative Approach
Our team excels at tackling emerging payments and designing innovative payment ecosystems. We provide guidance on virtual currency risk assessments, business model development, and mitigation strategies.
Holistic Advisory
Our comprehensive advisory services encompass legal, business, and regulatory aspects related to online payments, consumer and peer-to-peer lending, digital and virtual currency, blockchain technology, prepaid cards, and loyalty programs. We ensure that clients receive actionable advice to navigate the complex fintech landscape.
Whether you are a fintech startup developing the next big innovation or a well-established financial institution navigating regulatory compliance, our Fintech Regulatory team is here to guide you every step of the way.
For the latest cryptocurrency news and regulatory developments, visit our Fenwick Crypto Review.
