We provide regulatory advice on the development and implementation of new retail financial products and services and help with managing the risks associated with them.  We also advise clients on privacy and data security matters and marketing issues. Our core business is consumer lending and deposit/payment systems, including all aspects of origination or acquisition, maintenance and disposition of consumer assets. We also provide advice on non-consumer financial products and services, such as commercial cash management, business credit and debit cards, and Internet banking services. In addition to these services, we regularly advise non-depository institutions on state licensing and registration requirements.

Our regulatory and compliance work includes:

• Regulatory counseling, strategic advice and opinions on issues affecting the development and implementation of new products and services.
• Document and form drafting and review for both consumer and business lending and deposit products and services.
• Reviews and advice on the documentation and processes required for the provision of financial services through the Internet and mobile devices.
• Reviews and advice on marketing plans, promotions and advertisements of all types for retail financial products.
• Negotiating and drafting third party vendor agreements for marketing, origination and servicing of retail financial products and services.
• Preparation of multi-state surveys and analyses regarding state licensing obligations to engage in regulated activities.
• Counseling and advice on federal preemption matters.