Fintech & Payments

Tap into our attorneys’ experience in navigating state money transmitter laws and state and federal AML laws and regulations.

Empowering Clients at the Cutting Edge of the Financial Technology and Payments Landscape

Kronenberger Rosenfeld supports a broad spectrum of clients in addressing the complex regulatory, transactional, and corporate challenges shaping the fintech and payments industries.

We offer practical, business-oriented solutions across a wide range of legal and regulatory matters tied to the creation, management, and expansion of services such as:

• Payment processing and money transmission

• Digital currencies and blockchain technologies

• Mobile and electronic payment systems

• Prepaid solutions and e-money

• Payment cards and instruments

• Credit and lending products

• E-commerce platforms

Financial Services and Consumer Regulations

From state and federal regulations, we advise on regulatory, compliance and enforcement issues and risk that fintech and payments companies regulatory must address. In addition, we can provide advice on product development and implementation at scale, being mindful of the many regulatory challenges that must be addressed along the way. Some regulations we assist with include:

• Bank Secrecy Act (BSA) and Anti-money Laundering (AML), Know Your Customer (KYC)

• EFTA Reg E, TILA, ECOA, CFRA, SEC

• FTC Act, UDAAP, CDA 230, Privacy/GDPR

• PCI-DSS

• State money transmission licensing and compliance

• Payments regulations

Partnering with Industry Leaders

Our firm collaborates with a diverse client base, including:

• Established financial institutions

• Payment processors and networks

• Leading technology innovators

• Startups and disruptors

• Telecom providers

• Online platforms and marketplaces

• Social media enterprises

• Investors and strategic acquirers

Simplifying Regulatory Complexity

With in-depth knowledge of domestic and international laws governing the payments sector, coupled with an understanding of regulators' expectations, we equip clients with the tools to meet their compliance obligations amidst a rapidly evolving regulatory environment. Our firm provides strategic guidance on:

• Navigating licensing and registration processes

• Meeting reporting requirements and obtaining regulatory approvals

• Launching or revising products and services

• Crafting policies, terms, and disclosures for new offerings

• Responding to audits, investigations, and enforcement actions

We also ensure clients stay informed about legislative and regulatory developments, helping them voice their perspectives on emerging policies.

Expertise in Complex Transactions

We blend diligent transactional advice with deep industry insight and technological expertise, enabling clients to successfully navigate:

• Structuring and negotiating contracts for innovative offerings

• Establishing partnerships with banks, networks, and processors

• Managing mergers, acquisitions, and strategic investments in the fintech and payments sectors

From due diligence to closing, our firm advises on high-stakes transactions, empowering clients to capitalize on opportunities and achieve their business objectives in the dynamic payments ecosystem.

If you need assistance with your Fintech matters, please call us at 415-955-1155, ext. 120. You can also submit your matter to us in our online case submission form. This practice area is led by Galen Cheney.