Fintech

Primary contacts

Andrew M. Ray, Cory E. Barry, John L. Filippone, Christine M. Lombardo, Robert Mailer

Morgan Lewis develops legal strategies for companies in the financial technology (fintech) sector to advance their immediate and long-term business objectives. We also advise financial services companies, private equity firms, and other entities seeking to invest in, acquire, or collaborate with fintech companies. The sophistication of our counsel in corporate matters, transactions, regulation, enforcement, and dispute resolution is rooted in our firm’s long history of service to financial institutions and technology companies.

Our team is anchored by lawyers with domain experience in the private sector, at financial services regulatory agencies, and as primary outside counsel. We regularly advise fintech companies as they define and rebuild their business models in an era of unprecedented economic, technological, and regulatory change.

Mergers, Acquisitions & Other Transactions

Mergers and acquisitions, collaborations, joint ventures, and strategic alliances often represent a significant part of a company’s growth. We work with clients to structure fintech-related transactions as advantageously and efficiently as possible—performing due diligence, negotiating and documenting terms, and providing advice on the tax, regulatory, and executive compensation issues arising from such strategic transactions.

Regulatory & Antitrust

We identify and anticipate market trends that could affect the fintech industry and fintech-related transactions. Clients benefit from our experience and relationships with regulatory agencies as well as our knowledge of how financial regulators are responding to new companies and technologies. Our antitrust team understands how financial markets, including the securities and commodities markets, intersect with the fintech sector. We represent clients in government and private litigation, including class actions and investigations initiated by US and non-US financial regulators.

Financing & Structured Transactions

We regularly represent financial services and fintech companies in both equity and debt financings. Our lawyers serve as lead counsel on transactions involving senior secured credit facilities, acquisition financings, refinancings, and institutional investments. Our structured transactions lawyers handle deals in a variety of asset classes, such as marketplace loans, student loans, equipment contracts, credit cards, and unsecured consumer and commercial loans. Additionally, our lawyers are thought leaders on the latest developments and topics in fintech and marketplace lending, such as risk retention issues for funds securitizing marketplace loans.

Technology, Intellectual Property & Outsourcing

We offer scalable, real-time solutions on technology transfer and licensing, collaborations, outsourcing and managed services, commercial transactions, intellectual property protection and valuation, and mergers, acquisitions, and venture capital and private equity investments. We help our fintech clients use outsourcing as a strategy to grow their businesses by collaborating with other advisers to craft innovative solutions for outsourcing projects that meet or exceed their objectives and business goals.

Privacy & Cybersecurity

With command of the full spectrum of privacy and cybersecurity issues and experience in navigating complex regulatory environments, we customize solutions and policies to meet our fintech clients’ business demands and ever-changing technology footprints.