Sheppard Mullin's Consumer Finance and Fintech Practice
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Consumer Finance
Fintech
Sheppard Mullin's Consumer Finance and Fintech Blog
Meet Our Consumer Finance Team
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Sheppard Mullin partners with clients in the financial services industry on regulatory, enforcement, transactional, litigation, and consumer protection matters. Our seasoned team of attorneys is focused on the constantly evolving federal and state statutes and regulations governing our clients’ products and services. We understand the unique business and legal challenges faced by clients in the consumer financial services industry and that is why clients turn to us when a thorough understanding of the industry is required to deliver valuable advice and solutions in real time. We pride ourselves on the integrated nature of our offering. We address the regulatory, enforcement, transactional, litigation and consumer protection issues faced by our financial services clients at a senior level, and provide central coordination to craft a strategy which recognizes and respects federal and state differences.
Sheppard Mullin’s team of financial services, blockchain, corporate, intellectual property, regulatory and privacy attorneys collaborates with emerging FinTechs and other companies to launch products and services, create bank partnerships to provide financial services using innovative technologies, and invest in new solutions. We represent companies – from startups to Fortune 100 – who are pioneering technologies and business models in this space, as well as the companies using these technologies. We advise clients on how to meet their business objectives, while avoiding unnecessary legal risk by clearing regulatory and compliance hurdles along the way.
Our Consumer Finance and Fintech Blog covers the issues of the day, including new regulations, regulatory and enforcement trends, important cases, and events on Capitol Hill for one of the nation’s most heavily regulated industries.
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Read our latest posts: Consumer Finance and Fintech Blog
Q4 | 2024 in Financial services - US Q2 I 2024 in Financial services - US Q1: 2024 in Dispute resolution - US Q2| 2022 in Financial services - US
Top Author, JD Supra Readers' Choice Awards, 2022-2025
A.J. Dhaliwal - Lexology author
Meet Our Consumer Finance Team Leaders
Moorari Shah
Partner | Orange County / San Francisco 714.424.8264 / 415.434.3947 mshah@sheppardmullin.com bio
A.J. Dhaliwal
Partner | Washington, D.C. 202.747.2323 adhaliwal@sheppardmullin.com bio
Mehul Madia
Special Counsel | Washington, D.C. 202.747.2301 mmadia@sheppardmullin.com bio
Meet Our Other Consumer Finance Team Members
Adam Barton
Partner | San Francisco 415.774.2941 abarton@sheppardmullin.com bio
Christine Swanick
Partner | New York 212.634.3051 cswanick@sheppardmullin.com bio
Thomas Panoff
Partner | Chicago 312.499.6328 tpanoff@sheppardmullin.com bio
Aaron Levy
Partner | New York 212.896.0606 alevy@sheppardmullin.com bio
David Deal
Special Counsel | San Francisco 415.774.3298 ddeal@sheppardmullin.com bio
Matt Benz
Associate | Chicago 312.499.6359 mbenz@sheppardmullin.com bio
Snehal Desai
Partner | San Francisco 415.774.2960 sdesai@sheppardmullin.com bio
Moriah Dworkin
Associate | Century City 310.228.2297 mdworkin@sheppardmullin.com bio
Beineng Zhang
Associate | Orange County 714.424.2829 bzhang@sheppardmullin.com bio
Maxwell Earp-Thomas
Associate | Orange County 714.424.2880 mearp-thomas@sheppardmullin.com bio
Assisted a regional bank in assessing the impact of the FDIC’s third-party risk management guidance on its partnerships with fintech companies and service providers.
Counseled a financial institution on structuring a credit card rewards program to mitigate UDAAP risks and ensure compliance with TILA and Regulation Z.
Guided a mortgage servicer through compliance with evolving state and federal requirements for escrow account management and fee disclosures.
Advised a national bank on compliance with the CFPB’s proposed Personal Financial Data Rights rule, including data-sharing agreements, consumer disclosures, and third-party risk management.
Consumer & Bank Regulatory
Assisted a payroll solutions provider in evaluating compliance risks related to its on-demand pay (earned wage access) product under CFPB and state regulatory frameworks.
Guided a neobank in structuring a Banking-as-a-Service (BaaS) partnership with a chartered financial institution, ensuring regulatory compliance in deposit and lending activities.
Counseled a digital asset platform on potential money transmitter licensing and AML compliance obligations related to its crypto-to-fiat conversion services.
Advised a leading Buy Now, Pay Later (BNPL) provider on multi-state lending and licensing requirements, including compliance with small-dollar loan laws and consumer disclosure obligations.
Counseled a global technology firm on structuring a digital wallet product, ensuring compliance with money transmitter regulations and financial privacy laws.
Represented a financial services company in the acquisition of a state-licensed lender, navigating regulatory approvals and licensing transfer requirements.
Advised a major retailer on launching an in-house consumer financing program, ensuring compliance with consumer protection laws and credit agreement disclosures.
Structured and negotiated a white-label credit card partnership between a fintech company and a national bank, addressing regulatory risk and compliance considerations.
Corporate & Business Transactions
Advised a major payments processor in responding to an FTC civil investigative demand related to alleged deceptive marketing practices in recurring billing.
Successfully resolved a fair lending enforcement action by the DOJ against an auto finance company, securing a settlement with reduced penalties.
Represented a fintech lender in a state attorney general lawsuit challenging its interest rate exportation model under state usury laws.
Defended a national mortgage lender in a CFPB enforcement action alleging UDAAP violations related to loan servicing and foreclosure practices.
Litigation & Enforcement
Counseled a payments company in a DOJ investigation into alleged violations of AML and consumer protection regulations.
Defended a consumer lending platform in a CFPB supervisory examination related to compliance with fair lending and anti-discrimination laws.
Assisted a national mortgage servicer in responding to a multi-state attorney general inquiry regarding its loan modification practices.
Represented a regional bank in an OCC examination focused on third-party risk management and fintech partnerships.
Investigations & Examinations
