For the better part of a decade, the Federal Reserve has worked with other regulators to build out the post-crisis regulatory framework. This framework, centered on the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, was designed to address the causes of the financial crisis. Some observers have said that certain Dodd-Frank reforms made banks and the financial system more resilient than they were pre-crisis. Others have argued that parts of DoddFrank have created burdens for financial institutions, without creating equally valuable benefits for the strength of those institutions or the broader financial system.

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The Federal Reserve Might Approach Regulatory Reform","Target":"_self","CssClass":"","Language":"","Children":null},"TemplateID":"9cbfe518-3bc0-4632-ae13-6ac9cee8eb31"},{"ID":"15577ece-5324-42de-8e28-5e0982d25e32","ContentType":"Publications","DisplayDate":"February 2018","Title":"FinTech M&A Potential Pitfalls and Regulatory Aspects","ShortTitle":"","Summary":"

The term “FinTech”—or financial technology—refers to a number of different types of services. From digital currency to mobile payments and money transfers, the term encapsulates a variety of online payment services. FinTech also reaches into the financing sector, as both crowdfunding and marketplace lending services have become viable alternatives to traditional financing for certain parties. Additionally, the advent of robo-advisers (online wealth management services which provide automated, algorithm-based portfolio management advice) shows FinTech’s application in the investment advisory space. After a dip in 2016, global investment in FinTech rebounded in 2017, exceeding $19.8 billion in the first three quarters. Based on early figures for 2018, investment is on track to continue its upward trajectory as new technologies and players continue to enter the market.

While funding levels make clear that FinTech is considered a hot investment, the rapid growth of the industry and the increasingly intricate regulatory landscape can produce pitfalls for even the most savvy and sophisticated of clients looking to make acquisitions in this space. This practice note cannot provide a comprehensive survey of every FinTech service and regulation. Instead, the goal is to discuss, in broad strokes, which technologies have captured the regulators’ attention and what this heightened attention means for buyers in M&A transactions. Specifically, this practice note discusses:

Select Oversight and Enforcement Activity
Targets Participating in Financing
If the Acquirer Is a Bank: Supervisory Approval and Oversight
Targets Acting as Vendors to Financial Institutions
Targets Providing Payment Services
Falling Into the Security Trap
When Target May Be an Investment Adviser
Intellectual Property Issues
State Data Security and Privacy Issues
Employment and Labor Issues

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