Fintech products live inside financial regulation that was written long before your software existed. Our attorneys have engineering backgrounds, so we understand both your tech stack and the licensing, partnership, and compliance rules that decide whether it can go to market. We help you pick a regulatory path early, before it constrains the product you have already built.
Licensing And Regulatory Path
The right regulatory structure depends on what your product actually does with money. We assess whether you need money transmitter licenses, a lending license, or a bank partnership to operate, and which states matter most for your launch. Where a regulatory sandbox or charter is worth pursuing, we walk you through it, and where it is not, we say so and point you to the faster route.
Bank And BaaS Partnerships
Many fintech products run on a sponsor bank that holds the charter and the compliance obligations. We negotiate the partnership and program agreements that let your product operate within that framework, allocate liability sensibly, and protect you when the bank's regulators come knocking. We also flag the oversight and audit terms that quietly become your obligations once the relationship is live.
Payments And Money Movement
Moving funds triggers money transmission laws, network rules, and stored-value regulation, and the analysis turns on details like who holds funds and for how long. We advise on payment processing, ACH and card flows, and stored-value products, structuring money movement to stay clear of unintended licensing triggers. You get a compliance approach built around how your money actually moves, not a generic checklist.
Lending And Credit Products
Consumer lending carries a dense layer of rules, from state licensing and usury caps to TILA and fair lending disclosure requirements. We counsel on how to originate, service, or partner on credit products without tripping these regimes, and on the bank model that some lenders use to manage rate exposure. The aim is a credit product that scales across states without rewriting its core terms each time.