My practice is focused on fintech, electronic and emerging payments, financial services, and regulatory compliance. I advise on the structuring of payment solutions and other financial services to comply with applicable state and federal regulations with particular experience negotiating and drafting complex transaction agreements covering digital assets/cryptocurrencies, bank partnerships, fintech solutions, and money transmission.I also represent clients in obtaining money transmitter licenses and assist money services businesses MSBs) in their compliance efforts, as well as in negotiating and resolving inquiries, enforcement actions and audit deficiencies raised by state regulators in connection with MTL regulatory compliance issues.I also advise neobanks on financial services offerings, BaaS contracts, consumer compliance issues and partnering with financial institutions. I advise clients on the structuring and implementation of mobile apps and mobile wallets, as well as providing regulatory and transactional support for e-commerce transactions involving marketplace, point-of-sale, mobile, and remote payment solutions.I help clients structure and implement gift card, reward card, and customer loyalty programs that are in compliance with state and federal laws, such as the CARD Act. In the area of credit cards, debit cards and prepaid cards, I have advised clients (such as issuing banks, program managers, sub-program managers, ISOs and merchants) regarding all aspects of such programs, including program structure, collateral, program agreements and processing agreements. I advise clients across all types of open and closed loop products, private label credit cards, co-branded credit cards, corporate purchasing cards, reimbursement cards, travel and expense cards, student cards, payroll cards, rebate cards, disbursement cards and GPR cards.*The choice of a lawyer is an important decision and should not be based solely upon advertisements.