Heidi Wicker Email & Phone Number

Counsels clients including financial institutions; FinTech providers; virtual and bricks-and-mortar money transmitters; third party payment processors, financial services companies and their service providers; credit/debit/prepaid card and other electronic payment systems; multi-national retailers; and consumer reporting agencies on a broad range of banking and payments law matters. Focuses on emerging products and services.Specialties: Banking/financial services and payments law; e-commerce; card networks, NACHA and other payment system rules; money services business/money transmission licensing and compliance; Regulation E, including prepaid account and remittance transfers rules compliance; prepaid access/gift cards; rewards and loyalty programs; Gramm-Leach-Bliley Act and state privacy/data security/data breach laws; Dodd-Frank Wall Street Reform and Consumer Protection Act including Durbin/Regulation II; Fair Credit Reporting Act; Bank Secrecy Act/anti-money laundering (AML) and OFAC sanctions regulations.Prior Speaking Engagements: Money Transmitter Regulators Association (MTRA); International Money Transfer Conference--World (IMTC); Electronic Transactions Association (ETA); American Conference Institute (ACI); Law Seminars International (LSI); Payment Systems and Float Roundtable; West Coast Anti-Money Laundering Forum (WC AML); CUNA/NASCUS Annual Bank Secrecy Act Conference

Listed skills include Payments, Legal Writing, Licensing, Financial Services, and 11 others.