Counsel across the full arc of growth.

Yes. Once you accept paid sponsorships, license content, or sign with an agency, you are negotiating intellectual property, exclusivity, FTC disclosure obligations, and revenue terms that are often non-negotiable after the fact. An influencer attorney protects your brand, your name and likeness, and your long-term earning power before money changes hands.

Clear deliverables, usage windows, exclusivity scope, approval rights, FTC #ad disclosure compliance, payment terms, kill fees, morality clauses, ownership of raw footage versus final posts, and a dispute resolution forum. We negotiate these terms for creators, agencies, and brands.

Trademark your handle and brand name, register copyrights for signature content, structure rights of publicity carefully in every contract, and operate through an LLC or S-Corp so personal assets and creator income are separated.

Most full-time creators benefit from an LLC taxed as an S-Corp once net income is consistent. The structure separates liability, simplifies sponsor invoicing, and opens up retirement and tax planning. We handle formation, EIN, operating agreements, and the S-Corp election.

Depending on the product, you may be subject to Reg E (electronic fund transfers), Reg Z (credit), Reg DD (deposits), the BSA/AML regime, UDAAP under the CFPB and FTC, state money transmitter laws, NACHA ACH rules, RTP and FedNow operating rules, and card network rules. We map your product to the applicable regime before launch.

Regulation E implements the Electronic Fund Transfer Act and governs consumer accounts that can be debited electronically — prepaid cards, debit cards, P2P transfers, and many wallet products. It controls disclosures, error resolution timelines, and unauthorized transfer liability. Most consumer fintechs are in scope directly or through their bank partner.

Often, yes — unless you operate under a sponsor bank, an agent-of-payee exemption, or a narrow facilitator model. We analyze the flow of funds state by state and design a path that minimizes licensing burden without creating regulatory risk.

UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) reaches advertising, fee disclosures, dark patterns, and onboarding flows. The CFPB and state AGs increasingly enforce against fintechs, not just banks. We review marketing, disclosures, and complaint handling against UDAAP standards.

Compliance management responsibilities, oversight rights, BSA/AML program ownership, complaint handling, change control, reserve and indemnity terms, audit rights, exit and wind-down obligations, and clear allocation of regulatory risk under interagency third-party risk management guidance.

Yes. We help financial institutions evaluate fintech partners, structure BaaS and sponsorship programs, build third-party risk management frameworks aligned with FDIC, OCC, Federal Reserve, and NCUA guidance, and negotiate the underlying program agreements.

Debit cards are governed by Reg E, network operating rules (Visa, Mastercard, Star, Pulse), and Reg II routing requirements. ACH transactions follow NACHA Operating Rules and Reg E. RTP and FedNow follow their own operating rules with growing focus on fraud, returns, and consumer recourse.

Build a written compliance management system covering Reg E, Reg Z, Reg DD, Reg B, fair lending, UDAAP, and complaint handling, tested through periodic risk assessments and monitoring. NCUA examines for evidence that the board and management actively own the program.

Issuers carry Reg E error-resolution liability, card network compliance obligations, BSA/AML duties, dispute and chargeback exposure, and reputational risk from fintech program managers. Strong program agreements, oversight, and reserves are essential.

We review SBA 7(a), 504, and Express loan packages, negotiate personal guaranty and collateral terms, advise on use of proceeds and change-of-ownership rules, and help borrowers qualify for SBA size standards and certifications such as 8(a), WOSB, and HUBZone.

An LLC offers flexibility and simple admin. An S-Corp election can reduce self-employment tax once profits exceed roughly $50–80K. C-Corps make sense for venture-backed companies. We pick the structure that fits your tax profile, ownership plan, and exit strategy.

Not every one — but every recurring template, every customer or vendor contract over a meaningful threshold, every loan or lease, and every employment or contractor agreement should be reviewed. We offer flat-fee contract review and outside general counsel packages so legal cost is predictable.

The Fair Credit Reporting Act governs how consumer reports are used in credit, employment, and tenant decisions. If you pull background or credit reports — or if you furnish data to a credit bureau — you have notice, dispute, and accuracy obligations and real litigation exposure if you get them wrong.

We incorporate the entity, draft bylaws and conflict-of-interest policies, secure the EIN, prepare and file Form 1023 or 1023-EZ, and register for state charitable solicitation where required. Churches are automatically tax-exempt but should still consider formal recognition for grants and donor confidence.

Yes. Bylaws, a conflict-of-interest policy, a child protection policy, a financial controls policy, and clear board minutes protect the ministry, satisfy insurers, and are increasingly expected by donors, lenders, and denominational bodies.

Employment classification (especially worship leaders and contractors), child and vulnerable adult safety, real estate and facility use agreements, IP for sermons and music, data privacy for member records, and proper handling of designated and restricted gifts.

Yes, within IRS reasonable-compensation rules, with proper board approval, comparable-data documentation, and conflict-of-interest procedures. Get this wrong and you risk intermediate sanctions and loss of exemption. We build the policies and minutes that make compensation defensible.

Track restricted gifts in your accounting system, follow donor intent strictly, document program outcomes, and use written grant agreements that match what you actually deliver. Sloppy fund accounting is the fastest path to a state AG inquiry.