Supporting innovation for financial institutions, fintech companies, retailers, and investors.
Technology continues to reshape how financial services providers operate, deliver products, and engage with customers. From payments, stored value accounts, and digital lending to data-driven platforms and embedded finance models, innovation is creating new opportunities while also introducing regulatory complexity, operational risk, and heightened scrutiny.
Husch Blackwell advises financial institutions, fintech companies, technology providers, servicers, retailers, investors, and other market participants on the legal and regulatory issues that arise at the intersection of financial services and technology. Drawing on the strength of our Financial Services & Capital Markets practice, we help clients develop, launch, and scale technology-enabled financial products for consumers and small businesses while navigating evolving regulatory requirements and managing risk.
Our fintech experience spans a wide range of business models and technologies, including payments and money movement, stored value accounts, digital lending (including buy-now-pay-later, point-of-sale finance, and earned wage access), alternative commercial finance products such as factoring and revenue-based financing, platform and marketplace solutions, banking as a service (BaaS) and bank-fintech partnerships, embedded finance, data and analytics, open banking, artificial intelligence, and other emerging technologies impacting financial services. We regularly advise clients on product development and structuring, market entry and expansion, multistate licensing and regulatory compliance, customer-facing documentation, compliance management systems including policies and procedures, negotiating and drafting program agreements and vendor agreements, strategic partnerships, regulatory diligence for investments and acquisitions, examinations and other regulatory responses with regulators, and other transactional matters.
Because fintech solutions often implicate multiple regulatory regimes, our approach is grounded in a practical understanding of how financial services laws apply in real-world business operations. Our attorneys counsel clients on issues involving bank and non‑bank regulation, consumer financial services, alternative commercial finance, state commercial financing disclosure laws, payments regulation, securities and commodities considerations, data privacy and cybersecurity, third party oversight expectations, and risk management. We have particular depth in bank-fintech partnership programs, advising banks, fintechs, and investors on program structuring, federal and state regulatory risks facing such arrangements, and third-party risk management expectations. We also represent clients in connection with enforcement matters, examinations, and regulatory inquiries—before the CFPB, the FTC, prudential regulators, state banking departments, and state attorneys general—and disputes arising from technology-driven financial services.
Our fintech team brings industry-specific insight to complex, fast-moving developments in digital finance. Whether advising an established financial institution modernizing its platforms, a fintech company launching a new product, a small business finance company expanding into new markets, or an investor evaluating a technology‑driven opportunity, we deliver clear, business-focused guidance designed to support innovation while maintaining compliance in a changing regulatory environment.