Fintech

We regularly advise financial technology (fintech) companies as they define and rebuild their business models in an era of unprecedented economic, technological, and regulatory change.

The sophistication of our counsel in corporate matters, transactions, regulation, enforcement, and dispute resolution is rooted in Morgan Lewis’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.

What We Do

We develop legal strategies for companies in the 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.

Areas we advise on include:

Application programming interface (API)/connectivity
Backend as a service (BaaS)
Banking/institutional infrastructure
Bitcoin
Blockchain

Consumer banking
Crowd funding
Cryptocurrencies
Data and analytics
Data science
Digital banking
Enterprise financial software
Equity finance
Equity trading/markets
Financial research
Fixed income trading/markets
Fund administration/accounting
Initial coin offerings
Institutional investments
Lending
Marketplaces
Payment systems
Peer-to-peer (P2P) lending
Personal finance
Regulatory and compliance technology
Remittances
Retail investments
RoboAdvisors
Services delivered to financial institutions
Wealth management

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Business Transactions

Public/private mergers and acquisitions, including joint ventures, spin-offs, and strategic alliances
All aspects of real estate
Sponsorships and promotional agreements, including licensing
Outsourcing
Vendor relations, bidding process, and procurement

Financing

Equity and debt financings
Senior secured credit facilities
Acquisition financings
Refinancings
Institutional investments
Restructuring and bankruptcy
Private note placements
Multicurrency and cross-border financing

Intellectual Property

Trademark protection and licensing
IP licensing and joint development agreements
Patent litigation
Patent prosecution and counseling
Trade secret litigation
Trademark litigation
US Patent and Trademark Office (USPTO), patent trial, and appeal board proceedings, including inter partes re-examinations
USPTO, trademark trial, and appeal board proceedings, including oppositions

Privacy & Cybersecurity

Compliance management
Transactional issues
Data breach response and litigation

Regulatory & Antitrust

Single plaintiff and class action litigation
Collaboration agreements and arrangements
Complex mergers and acquisitions
Internal investigations
Compliance training and audits
Preventative and strategic counseling

Securitization and Structured Finance

Our lawyers have a long history of representing some of the world’s leading players in the fintech sector. We work with fintech platforms, financial institutions, investors, and other market participants in connection with the following types of transactions and representations:

Securitization and other financing and monetization of unsecured consumer loans and commercial loans
Capital markets transactions, including forward-flow arrangements, warehouse financing facilities, and securitization facilities and issuance platforms
Asset-based lending and bridge facilities for interim financing of receivables and other assets
Structuring and establishment of acquisition finance facilities for various types of financial assets
Regulatory and other corporate finance transactional matters relating to esoteric assets and fintech platform issues

We have represented companies using innovative or disruptive technologies including the following:

Loan trading platforms
Peer-to-peer/marketplace lending platforms
Payment systems
Ride-sharing platforms
Alternative mortgage and real estate financing products
Solar and other renewable energy system loans

We have been involved in marketplace lending since the beginning. As the asset class has evolved we have represented all types of participants, including the following: