Wilson Sonsini’s Fintech and Financial Services Group specializes in creatively and collaboratively partnering with clients at the forefront of payments innovation to navigate the complexities of the evolving financial services sector. We help clients comply with applicable laws and the changing regulatory landscape, design innovative products that support regulatory compliance and advance strategic business goals, and craft tailored legal frameworks that incorporate industry best practice and mitigate emerging risks. We also help clients keep abreast of key legislative and regulatory developments, facilitate stakeholder feedback to financial authorities, and provide insights on industry trends. 

Our team includes experienced attorneys with expertise advising innovative companies on all aspects of payments law and regulatory matters critical to designing and bringing new payment solutions to market, as well as strategically mitigating risks around the corner. We have deep knowledge of the regulatory and operational aspects of a broad range of payment services and technologies, spanning traditional systems and cutting-edge payments products. Our transatlantic footprint enables us to offer efficient, integrated counsel on the range of legal and regulatory issues associated with expanding the geographic reach of various payment offerings. 

Select Areas of Expertise

  • Product development, specialized commercial arrangements, and risk management across a diverse spectrum of payments products and services
    • Innovative payment solutions that leverage bank partnerships, card networks, ACH, funds transfers, and instant payment systems
    • Digital wallets and peer-to-peer payment solutions
    • Emerging payment products and services, such as stablecoins, tokenized deposits, and blockchain-based payment systems
    • Technology-driven ancillary services, such as token vaults, AI-based fraud detection, and programmable money
  • Payments regulation and policy
    • Instant payments
    • Digital currencies and distributed ledger technologies
    • Supervision of bank-fintech arrangements
    • Consumer protection
    • Debit card interchange
    • Money transmission
    • E-money
    • International standards for payment systems
  • Uniform Commercial Code
  • Banking laws and regulation

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