Amber Hay

Amber Hay primarily advises traditional financial institutions (banks, savings associations, and credit unions), nonbank financial services companies, as well as financial technology companies on a wide range of regulatory, transactional, and general corporate matters, including matters within the supervisory jurisdiction of the Federal Reserve Board, the OCC, the FDIC, the CFPB, and FinCEN, as well as state financial regulatory agencies. Amber routinely advises clients on laws, regulations, and legislative developments related to prudential regulations, virtual currencies (including Stablecoins and other digital assets), electronic payments, custodian activities including those involving digital wallets, and service provider arrangements between banks and non-banks (e.g., banking as a service and third-party vendor management). Amber also advises clients in the structuring of corporate transactions and commercial arrangements related to the offering of payments and credit products and services using technology, as well as the acquisition and sale of financial institutions and non-bank financial service companies.