Mike Whalen, a partner in Goodwin’s Financial Industry group, has a full-service practice counselling on the regulatory and transactional aspects of consumer and small business financial products and services. He advises both incumbents and emerging companies.





Mr. Whalen’s regulatory product work covers all kinds of loan products, alternative financing arrangements (e.g., income share agreements, factoring, merchant cash advances), payments, deposits, insurance and digital currencies. He assists clients on product development, compliance, regulator actions and state licensing.

Mr. Whalen’s regulatory service work centers on service providers that touch these products, including servicers, debt collectors, credit reporting agencies, escrow companies, loan brokers, lead generators, information aggregators and money transmitters.  He helps service providers build compliant solutions.

Mr. Whalen’s transactional practice focuses on the products and services he advises on.  He negotiates bank partnership arrangements, private label origination and servicing agreements, loan and receivables sales, co-branded credit card deals and lead generation agreements.  He also conducts regulatory due diligence on acquisition targets and helps companies prepare for due diligence that will be conducted on them.

Mr. Whalen is very active in digital currency + blockchain. He works with developers and sellers of tokens and coins, exchanges, wallet providers, smart contracts, node arrangements, lenders making digital currency secured loans and Bitcoin ATM operators.

Mr. Whalen is currently counseling many of his FinTech clients on the OCC FinTech national bank and industrial loan company charters as an alternative to state by state licensing and regulation.


Mr. Whalen was a 2021 recommended lawyer for FinTech by The Legal 500.

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J.D., 1999
The George Washington University Law School

(high honors)

B.A., 1987
Syracuse University

(magna cum laude)



District of Columbia
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Our clients rely on us for world-class advisory services, counsel on complex transactional work and high-stakes litigation. Specializing in matters involving the financial, life sciences, private equity, real estate, and technology industries, we use a collaborative, cross-disciplinary approach to resolve our clients’ most challenging issues. To find out more, please contact us.

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