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Results: 1-10 of 59

OCC's Proposed Licensing Guidelines Treat Fintech Charters Like Any Other National Bank
  • Pepper Hamilton LLP
  • USA
  • March 24 2017

A fintech company considering a National Bank charter will need to consider whether committing to a multi-year Business Plan is feasible in an


Remand Decision in Madden v. Midland Funding Raises Questions Regarding Choice of Law Clauses in Consumer Loan Agreements
  • Pepper Hamilton LLP
  • USA
  • March 7 2017

A careful parsing of state laws should be done if a lender is relying on a choice of law to avoid states that have criminal usury statutes. On


OCC Establishes New Third-Party Risk Management Expectations, Including for Bank Relationships With Marketplace Lenders
  • Pepper Hamilton LLP
  • USA
  • February 21 2017

The bulletin requires relationships between banks and marketplace lenders to be treated with the same rigor of due diligence and ongoing oversight as


What Do the Election Results Mean for the Financial Services Industry?
  • Pepper Hamilton LLP
  • USA
  • January 5 2017

With President-Elect Donald Trump taking office in a couple of weeks, we thought it was a good time to discuss a topic that a lot of our clients have


The OCC Launches Its New FinTech Charter Initiative
  • Pepper Hamilton LLP
  • USA
  • December 6 2016

Whether the long and arduous chartering process, ongoing examination and supervision requirements, substantial capital requirements and limitations


CFPB Issues Rigorous New Guidance to Financial Services Industry Regarding Sales Incentives
  • Pepper Hamilton LLP
  • USA
  • December 5 2016

The compliance burdens being placed on institutions to monitor all aspects of product sales will require a substantial expansion of the types and


Court Rules MCA Arrangement Is a Loan Under New York's Usury Laws
  • Pepper Hamilton LLP
  • USA
  • November 8 2016

On October 25, 2016, the New York Supreme Court of Westchester County issued a decision in Pearl Capital Rivis Ventures, LLC v. RDN Construction


Federal Appeals Court Finds CFPB's Structure Unconstitutional
  • Pepper Hamilton LLP
  • USA
  • October 12 2016

While certainly a big blow to the Bureau, the court’s remedy did not go as far as some CFPB opponents would have liked. In a blockbuster ruling on


New True Lender Case Provides Support for the Bank Partnership Model
  • Pepper Hamilton LLP
  • USA
  • September 22 2016

The court explicitly acknowledged that making it difficult for banks to assign or sell their commercial property to the secondary market


The Current State of Marketplace Lending and Investing
  • Pepper Hamilton LLP
  • USA
  • September 20 2016

Recent legal and regulatory developments are affecting the ways that marketplace lenders and investors do business- and their impact will