<p><img src="/files/Uploads/Images/Rahl%20w%20Mortoncropped.jpg"></p>
<p> Today’s financial services businesses must focus on innovative technology in order to meet evolving customer needs and to conduct transactions at speeds never before imagined, all while operating in a highly regulated environment with constantly shifting compliance challenges. Rapidly changing technology and consumer demand for faster and easier payment channels continues to fuel the growth of alternate payment providers, alternative lending platforms, technology firms that provide tools and infrastructure for financial service providers and other companies in the FinTech space. We understand the opportunities created by the development and implementation of new technologies, as well as the risks generated by increasing regulatory scrutiny. Attorneys in the Financial Services Practice Group provide advice to FinTech clients in connection with a variety of needs, including:</p>
<ul>
<li>Business entity choice, entity formation and preparation of corporate documents</li>
<li>Review and negotiation of lease agreements</li>
<li>Development of on-line policies, including terms and conditions of use, privacy policies, and social medial policies</li>
<li>Development of application portals for loans, the purchase of goods/services and similar access issues
<li>Negotiation and review of vendor agreements
<li>Licensing requirements and applications
<li>Payment Card Industry compliance
<li>Safeguarding customer information and cybersecurity programs
<li>Maryland and other State data breach requirements
<li>Compliance with card association and payment clearinghouse rules
<li>Payment processor and merchant arrangements
<li>New product structure
<li>Intellectual property and copyright issues
<li>Marketing review and compliance
<li>Third-party software systems</li></li></li></li></li></li></li></li></li></li></li></li></ul>