Covington’s fintech practice advises participants globally across the fintech ecosystem, including fintech companies, financial institutions, other financial services firms, technology companies, and investors, on the full range of legal issues shaping the fintech industry. Drawing on decades of experience in financial services and technology, our cross disciplinary team combines leading regulatory, corporate, technology and, litigation capabilities to deliver comprehensive support to clients.
Corporate and Transactions
Covington advises on the full spectrum of M&A, capital markets, strategic investments, and commercial arrangements, including bank‑fintech partnerships and combinations, technology transactions, investments, and capital raising transactions. Our global corporate and transactions capabilities are strengthened by world class expertise in bank and technology regulations, enabling us to structure and execute complex transactions in regulated markets. This integrated approach ensures that transactional strategy and regulatory insight are seamlessly aligned.
Payments
Covington has deep expertise in advising on all aspects of the payments industry, including merchant acquiring; card issuance (co-brand and private label credit card programs); debit, prepaid, and gift cards; money transmission; remittance transfers; e-commerce; online banking; virtual currencies and digital assets; prepaid access; mobile payments; information security and privacy considerations in payments systems. We regularly counsel clients on payments regulation and advise on contract negotiations for payments‑related transactions. Our experience spans emerging and established payments frameworks, strategic payments partnerships, and compliance issues at the intersection of financial services, technology, and data.
Regulatory
Covington provides sophisticated regulatory advice on payments and lending, consumer financial services, AML, privacy and data security, electronic commerce, online advertising, AI and big data, competition law, intellectual property, and emerging technologies. Our team regularly advises clients on navigating complex and evolving regulatory frameworks, including matters involving digital assets, trading platforms and blockchain technologies.
Litigation and Enforcement
Covington represents clients in high‑stakes litigation and enforcement matters, including consumer protection claims, commercial disputes, and challenges to fintech business models and partnerships. Our litigators work closely with regulatory and industry specialists to deliver integrated, business‑oriented solutions.