Mr. Whalen is a Co-Leader of the Firm’s FinTech Practice. He is a trusted advisor to his Fintech clients, counselling on regulatory, transactional and enforcement matters.

Mr. Whalen’s practice covers all tech-enabled consumer and small business financial products and services, including payments and money transmission, any loan product, deposits, alternative funding arrangements (e.g., early wage access services, home co-investing products, factoring, merchant cash advances) and virtual currencies.

Mr. Whalen’s compliance practice covers product and service development, documentation, compliance and state licensing.

Mr. Whalen’s does transactional work on the products and services he advises on, including lending, payments and deposits banking as a service arrangements, program agreements, loan and receivables sales, servicing agreements, payment processing agreements, co-branded credit card deals and lead generation agreements.

Mr. Whalen also represents his clients in state regulator inquiries and actions.

Experience

工作经历

EXPÉRIENCE

ERFAHRUNG

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.

Recognition

Mr. Whalen was a recommended lawyer for FinTech and Employee Benefits, Executive Compensation and Retirement Plans: Transactional by The Legal 500 in 2021 and 2022.

In The News

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ACTUALITÉS

MELDUNGEN

Credentials

专业资格

RÉFÉRENCES

WERDEGANG

Education

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

(high honors)

B.A., 1987
Syracuse University

(magna cum laude)

Admissions

Bar

District of Columbia
Virginia
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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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Nos équipes interviennent aux côtés de nos clients, industriels, fonds d’investissement, startups, institutions financières et dirigeants, dans le cadre de transactions et de contentieux complexes, et apportent des conseils de tout premier plan dans les secteurs financiers, des Sciences de la Vie, du Private Equity, de l’immobilier et des technologies. Nous traitons les dossiers juridiques de manière intègre, ingénieuse, souple et audacieuse pour répondre efficacement aux enjeux propres à chacun de nos clients, quels que soient la taille de l’opération et le secteur d’activité. Pour en savoir plus, contactez-nous.

Unsere Kunden verlassen sich auf unsere erstklassige Beratung, vor allem im Hinblick auf komplexe Transaktionen und High-Stakes-Prozesse. Spezialisiert auf Angelegenheiten der Finanz-, Life-Sciences-, Private-Equity-, Immobilien-und Technologie-Branchen, verwenden wir einen kooperativen und interdisziplinären Ansatz, um Fragen unserer Kunden auch in extremen Spezialsituationen einer Lösung zuzuführen. Sie wollen mehr erfahren? Kontaktieren Sie uns gerne.

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