Banking, Payments & Fintech
Overview
Seward & Kissel’s Banking, Payments, and Fintech practice advises banks, broker dealers, investment managers, fintechs, and service providers on the full range of financial regulatory matters that shape their businesses and transactions.
We are trusted business advisors, product innovators, and cross-discipline lawyers with deep experience, specializing in delivering clear, business-ready advice in highly regulated and rapidly evolving environments. We empower clients to pursue growth and innovation while managing regulatory risk.
Our team brings together deep regulatory knowledge and practical, business-focused judgment informed by extensive in-house and government experience. Our lawyers work closely with senior leadership, legal, compliance, risk, treasury, and product teams to deliver advice that is targeted, usable, and aligned with commercial objectives.
Capabilities
Related Practice Areas
Representative Expertise
Bank Regulatory:
- Bank Holding Company Act
- Change in Bank Control Act
- National Bank Act
- Federal Reserve Act
- Federal Deposit Insurance Act
- Dodd-Frank Act
- International Banking Operations (Regulation K)
- Loans to Insiders (Regulation O)
- Affiliate Transactions (Regulation W)
- Industrial Banks
- Safety and Soundness
- Data Privacy and Cybersecurity
Lending and Deposits:
- Sweep Arrangements
- Agent-Placed Deposits
- Deposit Administration
- Truth in Savings (Regulation DD)
- Reserve Requirements (Regulation D)
- Deposit Insurance Coverage and Recordkeeping (Part 330 and Part 370)
- Brokered Deposits Rule (Part 337)
- FDIC Advertising Rules (Part 328)
- Federal Interest Rate Authority
- Truth in Lending (Regulation Z)
- Escheatment
- Lender Licensing
Payments and Money Movement:
- Electronic Fund Transfer Act (Regulation E)
- Expedited Funds Availability Act (Regulation CC)
- Payment Network Rules (NACHA, Visa, Mastercard)
- Bank Secrecy Act
- Money Transmitter Licensing
Corporate Structure:
- Chartering, Licensing, and Regulatory Applications
- Enterprise Risk Management
- Corporate Governance
- Resolution and Receivership Rules
- Third-party Risk Management
Banking and Securities:
- Broker-Dealer Sweep Programs
- Volcker Rule
- Bank-Broker Exemption (Regulation R)
- Credit by Brokers and Dealers (Regulation T)
- Credit by Banks and Non-Broker-Dealers for Margin (Regulation U)
- Borrowers of Securities Credit (Regulation X)
- Transfer Agency
Capital, Liquidity, and Stress Testing:
- Liquidity Coverage Rules
- Net Stable Funding Ratio
- Capital Rules (SLR, eSLR, CCyB, TLAC, GSIB Surcharge)
- Capital Adequacy of BHC, SLHC, and State Member Banks (Regulation Q)
- Prompt Corrective Action
- Stress Testing
- Regulatory Reporting
Related Practice Areas
Representative Expertise
Bank Regulatory:
- Bank Holding Company Act
- Change in Bank Control Act
- National Bank Act
- Federal Reserve Act
- Federal Deposit Insurance Act
- Dodd-Frank Act
- International Banking Operations (Regulation K)
- Loans to Insiders (Regulation O)
- Affiliate Transactions (Regulation W)
- Industrial Banks
- Safety and Soundness
- Data Privacy and Cybersecurity
Lending and Deposits:
- Sweep Arrangements
- Agent-Placed Deposits
- Deposit Administration
- Truth in Savings (Regulation DD)
- Reserve Requirements (Regulation D)
- Deposit Insurance Coverage and Recordkeeping (Part 330 and Part 370)
- Brokered Deposits Rule (Part 337)
- FDIC Advertising Rules (Part 328)
- Federal Interest Rate Authority
- Truth in Lending (Regulation Z)
- Escheatment
- Lender Licensing
Payments and Money Movement:
- Electronic Fund Transfer Act (Regulation E)
- Expedited Funds Availability Act (Regulation CC)
- Payment Network Rules (NACHA, Visa, Mastercard)
- Bank Secrecy Act
- Money Transmitter Licensing
Corporate Structure:
- Chartering, Licensing, and Regulatory Applications
- Enterprise Risk Management
- Corporate Governance
- Resolution and Receivership Rules
- Third-party Risk Management
Banking and Securities:
- Broker-Dealer Sweep Programs
- Volcker Rule
- Bank-Broker Exemption (Regulation R)
- Credit by Brokers and Dealers (Regulation T)
- Credit by Banks and Non-Broker-Dealers for Margin (Regulation U)
- Borrowers of Securities Credit (Regulation X)
- Transfer Agency
Capital, Liquidity, and Stress Testing:
- Liquidity Coverage Rules
- Net Stable Funding Ratio
- Capital Rules (SLR, eSLR, CCyB, TLAC, GSIB Surcharge)
- Capital Adequacy of BHC, SLHC, and State Member Banks (Regulation Q)
- Prompt Corrective Action
- Stress Testing
- Regulatory Reporting
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