Outside General Counsel for Fintechs Built to Scale.

Money transmission and BSA/AML licensing strategy, bank-sponsor and BaaS program agreements, Reg E/Reg Z/Reg DD compliance, NACHA/ACH and RTP rules, payment-card network rules, UDAAP risk reviews, privacy and data-security programs, fundraising/term-sheet review, and enforcement defense. Cornerstone Law Partners Global serves as outside general counsel for fintech founders, lending platforms, payments companies, and crypto-adjacent businesses.

Yes. We negotiate sponsor-bank, program-manager, and BaaS agreements; build the compliance management system the sponsor will diligence; draft consumer-facing disclosures; and stand up vendor oversight, complaints, marketing review, and fair-lending controls, the topics regulators and sponsor banks audit on.

Yes. We deliver independent AML/BSA compliance audits, annual compliance testing for fintechs and credit unions, consumer compliance audits, fair-lending risk assessments, and UDAAP risk reviews, with written findings, remediation roadmaps, and board-ready reporting that sponsor banks, examiners, and auditors expect.

Yes. We design and implement compliance management systems (CMS) end-to-end, including bank policies and procedures development, complaint management program design, vendor oversight frameworks, training, monitoring, and board reporting calibrated to your charter, sponsor bank, and product mix.

Yes. We provide FINRA regulatory response, SEC exam preparation for fintech and broker-dealer-adjacent operators, document-request management, witness preparation, and remediation strategy, including coordination with specialized securities co-counsel where required.

Reg E (electronic funds transfers), Reg Z (TILA/credit), Reg DD (deposits), Reg CC (funds availability), Reg P (privacy), NACHA Operating Rules (ACH), the RTP Operating Rules, network rules for Visa/Mastercard/Discover/Amex, state money transmission, and CFPB UDAAP.

We map your activity to state MTL exemptions and triggers, build the surety-bond/net-worth plan, prepare NMLS filings, coordinate agent-of-the-payee structures, and counsel on safe-harbors for crypto, payroll, marketplace, and remittance flows.

We respond to CFPB, FTC, OCC, FDIC, FINRA, SEC, state AG, and state DFI inquiries, MRAs/MRIAs, civil investigative demands, and consent-order remediation.