Maria Macoubrie Email & Phone Number

Maria Macoubrie is a member of the firm's Banking and Financial Services Division. She works with and educates financial institutions and financial services businesses about the legal and regulatory issues facing their business, including risk management, regulatory and operational matters, product development, compliance and payments.Maria provides practical, comprehensive legal counsel to financial institutions and financial services businesses through contract negotiation, business advice and regulatory compliance advice. She has extensive experience working with financial institutions and other financial businesses regarding their payment programs and systems, including prepaid cards, debit cards, and credit cards. She regularly helps clients ensure their consumer lending programs comply with evolving state laws. She also frequently provides guidance on third-party risk management requirements for financial institutions and service providers.REPRESENTATIVE EXPERIENCE• Advises non-bank clients on consumer loan origination, sale and servicing programs, including state lender, broker, servicer, and/or credit services organization licensing or registration and debt collector licensing, disclosures and compliance• Helps ensure online marketplace lending programs’ compliance with state usury laws and "true lender" issues• Structures joint venture and financing programs between commercial banks and online lenders to address federal preemption, true lender, third party vendor and other regulatory compliance issues• Extensive experience with the payments-related aspects of the delivery of consumer-directed health care products and services such as health savings accounts and flexible spending accounts• Works with fintech and financial institution clients on product development, counseling on legal and compliance issues to bring new products to market and operate them in a manner that is both compliant and reduces risk to the clientSpecialties: Transactions, Contracts, Financial InstitutionsDisclaimer: Specialties are not claimed, although practice areas may be listed under specialties and skills. Material in this profile is organized and presented in accordance with LinkedIn format and guidelines solely for general informational purposes. It is not intended as advertising or legal advice, nor should it be interpreted as such. Contacting the account holder of this site does not create an attorney-client relationship. Please do not send confidential information to me through LinkedIn. Instead, please contact me at maria.macoubrie@stinson.com.