Ximeng (Sammy) Tang

Ximeng (Sammy) Tang is a partner in Goodwin’s Financial Services group and a member of the firm’s Fintech and Digital Currency & Block Chain practices. She advises financial institutions and fintech companies on complex, multi-jurisdictional financial services laws and regulations. Sammy counsels clients in structuring and papering embedded finance, lending, and deposit products and programs, including negotiating payment processor agreements and bank partnership agreements, drafting customer-facing disclosures and terms, and evaluating licensing and regulatory risks. Sammy also regularly represents clients in state license applications and regulatory investigations, inquiries, and enforcement actions.

Sammy advises payment platforms, blockchain and digital asset companies on FinCEN’s money service business (MSB) regulations and anti-money laundering requirements. Sammy started her work in the digital asset space in 2017 and has since been an author of peer-reviewed journals in her area of expertise. She works with fintech companies of all sizes to identify regulatory risks and develop results-oriented practical compliance strategies.

• Represents domestic and international payment companies in developing compliant products and services in the US
• Advises clients in structuring alternative lending structures
• Conducts licensing and compliance analysis
• Represents fintech companies in establishing bank partnership arrangements
• Advises clients on due diligence and regulatory matters in investment, asset sale and merger transactions
• Structures compliant products and services for innovative solutions

Sammy is a member of the New York City Bar Consumer Affairs Committee.

Prior to joining Goodwin, Sammy was an associate in the New York office of Sullivan & Cromwell LLP. In law school, Sammy was an articles editor on the Columbia Law Review and served as a judicial extern to the Honorable Colleen McMahon of the U.S. District Court for the Southern District of New York.

• Co-Author, “Eight Things About Fintech-Bank Partnership erm Sheets,” Goodwin Fintech Flash, September 10, 2026
• Author, “Authorizing Agentic Payments,” Goodwin Fintech Flash, June 11, 2026
• Author, “The California DFAL License Application Is Open: Assess Your Business Model Now for the July 1 Deadline,” Goodwin Alert, April 3, 2026
• Co-Author, “CFPB Finally Starts Getting EWA Right, Says Many EWA Models Are Not Subject to TILA and Regulation Z,” Goodwin Alert, December 23, 2025
• Co-Author, “Federal Stablecoin Legislation Poised to Implement Comprehensive Regulatory Framework for Payment Stablecoins,” Goodwin Alert, June 24, 2025
• Co-Author, “Want to Have Customers Cover Payment Processing Fees? What You Need to Know About Credit Card Surcharging,” Goodwin Fintech Flash, March 27, 2025
• Co-Author, “Massachusetts Amends State Money Transmissions Law to Apply to Domestic Transactions and Stored Value,” Goodwin Alert, January 16, 2025
• Co-Author, “CFPB Proposes to Include Virtual Currency Transactions Under the EFTA,” Goodwin Alert, January 13, 2025
• Author, “Money20/20 Zeros in on AI, Open Banking, and Payment Innovation,” Goodwin Fintech Flash, November 22, 2024
• Speaker, “CFPB 1033: Compliance Challenges for the CFPB’s “Open Banking” Rule,” Goodwin Webinar, November 21, 2024
• Co-Author, “Significant State Regulatory Development in the Virtual Currency Industry in California and New York,” Goodwin Fintech Flash, April 30, 2024
• Co-Author, “Navigating the Hazy Landscape: Challenges and Solutions in Cannabis Payment Processing,” Goodwin Fintech Flash, March 5, 2024
• Author, “US Money Transmission Regulations and Decentralized Payment Platforms,” Journal of Payments Strategy & Systems, Volume 17, No. 3, 2023
• Speaker, “Nevada Enacts First-of-Its-Kind Licensing Law for Earned Wage Access Services,” Goodwin Webinar, June 22, 2023
• Co-Author, “Five Things You Need to Know About Launching Fintech Products in the US,” Goodwin Fintech Flash, April 28, 2023
• Co-Author, “CFPB to Supervise Fintechs Based on Consumer Risk,” Goodwin Alert, May 10, 2022
• Co-Author, “White House Issues Crypto Executive Order: Appears to Acknowledge Crypto and Blockchain Are Critical and Here to Stay; Studies and Reports to Follow,” Goodwin Alert, March 16, 2022
• Author, “Seventy Years after Howey: An Overview of the SEC’s Developing Jurisdiction Over Digital Assets,” American Bar Association Business Law Today, October 12, 2018