Fintech contracts written with the regulator in the room.
Fintech products sit on top of banks, processors and program managers, and each of those relationships carries regulatory obligations. We negotiate those agreements and draft your customer terms with the applicable framework built in.
Fintech services
Each one is a flat fee, quoted before we start. Hover a service to see what's included.
5 services
- Payments & Processor TermsSponsor bank, processor and program manager agreements negotiated for fintech founders.Issues list on the bank program agreement or processor agreement, ranked by business impactRedline covering reserves, chargebacks, fees pass-through, indemnities and liability capsAllocation of program manager versus bank responsibilities for compliance, complaints and Reg E error resolution
- Data & Privacy for FintechGLBA-aware privacy notices, data-sharing terms and aggregator contracts for fintech.GLBA-aware consumer privacy notice aligned with your actual data sharingData use and sharing clauses for bank program and processor agreementsReview of data aggregator and open banking access terms
- Vendor & Service ContractsVendor contracts with the oversight and risk terms your bank partners expect to see.Third-party risk addendum covering audit rights, reporting and regulator accessSubcontractor approval and flow-down provisionsBusiness continuity, incident notice and data return terms
- Commercial & Platform AgreementsPlatform, distribution and embedded finance agreements drafted for fintech businesses.Platform or embedded finance partner agreementEnd-user or merchant terms that flow down required bank and processor provisionsRevenue share and fee schedule mechanics, including interchange share where applicable
- Regulatory-Aware DraftingCustomer agreements and product disclosures written with consumer finance rules in mind.Consumer account, wallet or cardholder agreementFee schedule and key disclosures drafted for clarityElectronic fund transfer terms reflecting Reg E concepts such as error resolution and unauthorized transfers
Who we work with
- 01
Fintech startups launching with a sponsor bank
- 02
Platforms embedding payments or cards
- 03
Companies handling consumer financial data
- 04
Teams going through bank partner due diligence
Fintech questions
Our focus is contracts and regulatory-aware drafting. Licensing questions depend heavily on the facts; when a licence analysis is needed we flag it and scope it separately.
Compliance ownership, complaint handling, data security, audit rights and how program risk is shared. These terms show up in the program agreement and in your vendor contracts.
Yes. Consumer financial data can trigger GLBA obligations alongside state privacy laws, and partner banks often impose stricter contractual requirements.
Other practice areas
- 7 servicesAI Commercial & InfrastructureThe contracts behind the compute.Explore
- 6 servicesConstructionContracts that protect your scope, your schedule and your right to get paid.Explore
- 7 servicesReal EstateLease and deal documents that hold up in diligence.Explore
- 5 servicesTaxThe tax decisions you can only get right early.Explore
- 5 servicesBlockchain & CryptoContracts for digital assets, drafted by people who read the protocol docs.Explore
- 7 servicesEmerging Companies & Venture CapitalFrom Delaware incorporation to your Series B, without the hourly meter.Explore
- 6 servicesIntellectual PropertyProtect what makes you defensible, and skip what doesn't.Explore
- 5 servicesEmploymentHire fast without creating problems you find in diligence.Explore
- 5 servicesData PrivacyPrivacy paper that matches what your product actually does.Explore
- 5 servicesDefense & Government ContractsWin government work without giving away your IP.Explore
Talk to a fintech attorney.
A short call with an attorney. You leave with a written scope and one fixed price.
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