{"Level":"Partner","ExceptionLanguage":"","ExtensionceAttorneyExperience":"

Representative banking matters include:

Provide day-to-day compliance advice to banks, thrifts and their holding companies regarding a wide range of issues, from affiliate transactions to investment authorities to anti-money laundering to consumer compliance, and almost everything in-between.
Advise banks, thrifts and their holding companies in preparing for, managing and responding to regulatory examinations and associated supervisory actions, including the industry-wide horizontal review of sales practices and supervisory activities associated with “Operating Chokepoint.”
Assist a financial holding company with respect to the negotiation of, and compliance with, limitations on its activities under Section 4(m) of the Bank Holding Company Act.
Advise the U.S. banking subsidiary of a global financial holding company regarding a major reorganization and consolidation of support services in a bankruptcy-remote affiliate as part of global resolution planning.
Assist a financial holding company in the divestiture of a national trust company subsidiary.
Assist retail and affinity brands in the negotiation of private label and co-branded credit card program agreements governing billions of dollars of credit card receivables.
Advise on all aspects of deposit sweep programs, including compliance matters, client agreements and intercompany agreements in support of the sweep arrangement.

Representative fintech matters include:

Assist a leading mobile wallet provider in the creation of a person-to-person payment service, including the negotiation of underlying banking relationships.
Represent a mobile payments start-up in all aspects of its payment product, including a soup-to-nuts evaluation of regulatory issues, state licensing, creation of cardholder documentation and disclosures and negotiation of agreements with banks and processors.
Represent a social payments start-up in connection with the regulation of its in-game payment services.
Advise payment processors, payment facilitators and marketplace platform providers (and investors in such entities) on state licensing issues associated with their roles in payment transactions, including by structuring relationships to avoid licensing issues or assisting clients in multistate licensing efforts.
Obtain approval for the acquisition of control of state-licensed entities on a nation-wide basis.
Advise several funds and other investors on their investments in bitcoin and other cryptocurrencies.
Assist in the proposed organization of a publicly traded bitcoin fund.
Represent banking entities, technology providers and corporate end-users in negotiating the entire panoply of agreements governing various types of joint ventures, strategic relationships or commercial arrangements for the establishment and/or distribution of new fintech products and services.
Draft payment network operating rules, including for credit, debit, electronic fund transfer, prepaid, mobile and electronic benefits transfer systems and products.
Advise on enacted and proposed payment, mobile commerce and related legislation and regulation, including in the areas of consumer protection, safety and soundness, licensing, anti-money laundering, banking, cybersecurity, online gambling, e-money, money transmission, e-commerce, mobile payments and virtual currency.

","ExtensionceAttorneyProBono":"","MembershipsAndAffiliations":"

Fellow, American Bar Foundation

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On 2 May 2019 a federal district court judge denied a motion to dismiss filed by the U.S. Office of the Comptroller of the Currency (OCC) in the lawsuit brought by the New York State Department of Financial Services (DFS), which challenged the OCC's decision to begin accepting applications from fintech companies for special purpose national bank (SPNB) charters (the Fintech Charter Decision) (for further details please see \"OCC to issue fintech charters\").

","Source":"International Law Office","Location":null,"NavigateLink":{"ViewUrls":[{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"bglang","CurrentViewID":null,"Name":null,"Url":"/bg/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"bglang","CurrentViewID":null,"Name":null,"Url":"/bg/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"delang","CurrentViewID":null,"Name":null,"Url":"/de/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"delang","CurrentViewID":null,"Name":null,"Url":"/de/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"enlang","CurrentViewID":null,"Name":null,"Url":"/en/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"enlang","CurrentViewID":null,"Name":null,"Url":"/en/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"eslang","CurrentViewID":null,"Name":null,"Url":"/es/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"eslang","CurrentViewID":null,"Name":null,"Url":"/es/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"frlang","CurrentViewID":null,"Name":null,"Url":"/fr/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"frlang","CurrentViewID":null,"Name":null,"Url":"/fr/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"hilang","CurrentViewID":null,"Name":null,"Url":"/hi/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"hilang","CurrentViewID":null,"Name":null,"Url":"/hi/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"idlang","CurrentViewID":null,"Name":null,"Url":"/id/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"idlang","CurrentViewID":null,"Name":null,"Url":"/id/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"itlang","CurrentViewID":null,"Name":null,"Url":"/it/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"itlang","CurrentViewID":null,"Name":null,"Url":"/it/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"jalang","CurrentViewID":null,"Name":null,"Url":"/ja/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"jalang","CurrentViewID":null,"Name":null,"Url":"/ja/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"kolang","CurrentViewID":null,"Name":null,"Url":"/ko/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"kolang","CurrentViewID":null,"Name":null,"Url":"/ko/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"pllang","CurrentViewID":null,"Name":null,"Url":"/pl/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"pllang","CurrentViewID":null,"Name":null,"Url":"/pl/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"ptlang","CurrentViewID":null,"Name":null,"Url":"/pt/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"ptlang","CurrentViewID":null,"Name":null,"Url":"/pt/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"rulang","CurrentViewID":null,"Name":null,"Url":"/ru/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"rulang","CurrentViewID":null,"Name":null,"Url":"/ru/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"zhlang","CurrentViewID":null,"Name":null,"Url":"/zh-hans/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"zhlang","CurrentViewID":null,"Name":null,"Url":"/zh-hans/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter"}],"Url":"/en/insights/publications/2019/05/court-permits-new-york-dfs-suit-against-occ-regarding-fintech-charter","Title":"Court Permits New York DFS Suit Against OCC Regarding Fintech Charter","Target":"_self","CssClass":"","Language":"","Children":null},"TemplateID":"9cbfe518-3bc0-4632-ae13-6ac9cee8eb31"},{"ID":"4fe5ea1c-9c64-4932-b2bb-db5dc9258674","ContentType":"Publications","DisplayDate":"March 1, 2019","Title":"Blockchain and Digital Assets","ShortTitle":"","Summary":"

Blockchain technology and associated tokens, commonly referred to as digital assets, are recognized by the existing U.S. laws, the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) to be securities, commodities, or both, depending on the facts and circumstances. Technology places no constraints on what the data that is recorded on a blockchain represents. Therefore, the characterization of a particular digital asset and the resulting legal and regulatory implications is not a function of the underlying blockchain technology, but is instead based on the economic realities of the proposed transaction.

In 2017 and 2018, the sale of digital assets raised over $20 billion. The market growth of digital assets as a new investment asset class gives rise to distinct regulatory considerations for broker-dealers and registered investment advisers offering, trading, and/or assuming custody of such assets. The use of blockchain technology in effecting digital asset transactions may be, in some instances, quite different than the technology used for transactions in other asset classes. Certain differences in market infrastructure and trade flow are being evaluated by regulators. In some instances, the existing securities laws and regulations applicable to broker-dealers and registered investment advisers may require interpretation, regulatory guidance, or SEC no-action relief in order to support a market for digital asset securities.

This chapter provides an overview of blockchain and digital assets, followed by the existing regulations applicable to broker-dealers and investment advisers engaged in digital asset activities. Various regulators may assert overlapping jurisdiction for market participants transacting in digital assets. As such, this chapter also includes a discussion of other applicable regulatory regimes, including money transmission laws and state virtual currency regulation. Regulatory considerations are driven primarily by existing regulation as applied to the nuances of blockchain technology. The discussion includes digital asset regulatory guidance being disseminated through investor warnings, public speeches, reports, and enforcement actions. The law is not yet settled as it relates to digital assets, but market participants are developing industry best practices taking into consideration the existing regulations.

This material has been published as chapter 64 of Investment Adviser Regulation: A Step-by-Step Guide to Compliance and the Law (Third Edition) edited by Clifford E. Kirsch (© 2019 by Practising Law Institute), available for purchase at www.pli.edu. Reprinted with permission. Not for resale or redistribution.

","Source":"PLI Treatises: Broker-Dealer Regulation and Investment Adviser Regulation","Location":null,"NavigateLink":{"ViewUrls":[{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"bglang","CurrentViewID":null,"Name":null,"Url":"/bg/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"bglang","CurrentViewID":null,"Name":null,"Url":"/bg/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"delang","CurrentViewID":null,"Name":null,"Url":"/de/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"delang","CurrentViewID":null,"Name":null,"Url":"/de/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"enlang","CurrentViewID":null,"Name":null,"Url":"/en/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"enlang","CurrentViewID":null,"Name":null,"Url":"/en/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"eslang","CurrentViewID":null,"Name":null,"Url":"/es/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"eslang","CurrentViewID":null,"Name":null,"Url":"/es/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"frlang","CurrentViewID":null,"Name":null,"Url":"/fr/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"frlang","CurrentViewID":null,"Name":null,"Url":"/fr/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"hilang","CurrentViewID":null,"Name":null,"Url":"/hi/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"hilang","CurrentViewID":null,"Name":null,"Url":"/hi/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"idlang","CurrentViewID":null,"Name":null,"Url":"/id/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"idlang","CurrentViewID":null,"Name":null,"Url":"/id/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"itlang","CurrentViewID":null,"Name":null,"Url":"/it/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"itlang","CurrentViewID":null,"Name":null,"Url":"/it/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"jalang","CurrentViewID":null,"Name":null,"Url":"/ja/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"jalang","CurrentViewID":null,"Name":null,"Url":"/ja/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"kolang","CurrentViewID":null,"Name":null,"Url":"/ko/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"kolang","CurrentViewID":null,"Name":null,"Url":"/ko/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"pllang","CurrentViewID":null,"Name":null,"Url":"/pl/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"pllang","CurrentViewID":null,"Name":null,"Url":"/pl/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"ptlang","CurrentViewID":null,"Name":null,"Url":"/pt/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"ptlang","CurrentViewID":null,"Name":null,"Url":"/pt/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"rulang","CurrentViewID":null,"Name":null,"Url":"/ru/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"rulang","CurrentViewID":null,"Name":null,"Url":"/ru/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"83e3dcaa-1264-4226-8ee6-380c20e95bea","Language":"zhlang","CurrentViewID":null,"Name":null,"Url":"/zh-hans/insights/publications/2019/03/blockchain-and-digital-assets"},{"ID":"c412c0cf-22a6-45ac-974a-c7f6c0417c25","Language":"zhlang","CurrentViewID":null,"Name":null,"Url":"/zh-hans/insights/publications/2019/03/blockchain-and-digital-assets"}],"Url":"/en/insights/publications/2019/03/blockchain-and-digital-assets","Title":"Blockchain and Digital Assets","Target":"_self","CssClass":"","Language":"","Children":null},"TemplateID":"9cbfe518-3bc0-4632-ae13-6ac9cee8eb31"},{"ID":"20335255-8eab-4ada-baa8-1e8eaff5f9e1","ContentType":"Publications","DisplayDate":"November 2018","Title":"The Virtual Currency Regulation Review","ShortTitle":"","Summary":"

United States financial regulators are reviewing and monitoring the implications of virtual currency transactions and investments on investors and the financial markets. This chapter summarizes the latest developments in U.S. regulators’ approach to the regulation of virtual currency.

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Part 2 of a discussion of the OCC’s little noticed effort to revamp the regulations governing compliance with the Community Reinvestment Act. Part 2 focuses on the substance of the OCC’s recent proposal and a look forward at what’s to come.

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Panelist, “Fintech Charter Implications,” 2017 ABA Payments Forum (June 22–23, 2017)
Panelist, “Risks and Rewards in Processing Payments and Payment-Related Data,” 28th Annual Silicon Valley Association of General Counsel All Hands Meeting (November 17, 2016)
Moderator, “The Ever Faster Changing World of Payment Systems,” 13th Annual Stanford E-Commerce Best Practices Conference (June 6, 2016)
Moderator, “Regulatory Framework, Legal Status, Government Scrutiny,” ABA National Institute on Bitcoin and other Virtual Currencies: Emerging Issues In Regulation and Enforcement (April 1, 2016)
Panelist, “Best Practices Regarding Innovation in Payment Systems,” 12th Annual Stanford E-Commerce Best Practices Conference (June 8, 2015)
Panelist, “Federal Law Issues,” ACI Virtual & Digital Currency Conference (November 20–21, 2014)
Panelist, “Economic Sanctions and their Impact on Payment Services,” Money Transmitter Regulators Association 2014 Annual Meeting and Examiner’s School (November 5, 2014)
Presenter, “Bitcoin and Virtual Currency: Emerging Issues in Regulation and Enforcement,” ABA Webinar (September 24, 2014)
Moderator, “Best Practices Regarding Virtual Currencies and Mobile Payments,” 11th Annual Stanford E-Commerce Best Practices Conference (June 16, 2014)
Panelist, “State Licensing Issues for ACH-Based Payment Products,” NACHA Payments 2014 (April 6–9, 2014)
Panelist, “Developments in Mobile Payments,” Money Transmitter Regulators Association 2013 Annual Meeting and Examiner’s School (September 26, 2013)
Panelist, “Impacts of Durbin Ruling: What it Means for FIs,” NACHA Webinar (September 12, 2013)
Panelist, “Dodd-Frank, the CFPB, FinCEN, OFAC, Reg E, the Durbin Amendment, Cross-Border Remittances and More: In-House and Outside Counsel Weigh in on How to Prepare for the Evolving Federal Regulatory Paradigm and Its Impact on Emerging Payment Systems,” ACI 5th National Forum on Emerging Payment Systems (March 21–22, 2013)

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