Jessica Sklute. Regulatory Compliance for Consumer Financial Services and Payments Products

Jessica Sklute. Regulatory Compliance for Consumer Financial Services and Payments Products


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Jessica Sklute recommends consumers on bank legislation, payment systems and economic solutions legislation. She concentrates her practice on retail monetary solutions, with an increased exposure of re re payment systems (conventional, card-based, internet-based and growing) and solutions; cash transmission; information privacy and information protection; card solutions; strategic alliances; regulatory conformity pertaining to mergers and acquisitions, and basic regulatory conformity.


Developing and utilization of customer Financial Services and Payments Products

Express market leaders in development and utilization of revolutionary and appearing repayment services and products, including stored-value cards ( e.g., payroll, present, basic function prepaid) and paper-, card- and Internet-based re re payment services and products, in addition to co-branded and affinity variations among these items.

Express institutions that are financial merchants and investment funds into the design and utilization of customer economic, web-based monetary and re re payment system services and products.

Express banking institutions along with other customers relating to joint advertising, strategic alliance, sponsorship and outsourcing plans, including ATM/POS system plans, consumer loan services and products and co-brand and personal label agreements.

Regulatory Compliance for Consumer Financial Services and Payments Items

Advise customers with regards to all aspects of current and developing customer protection laws, including customer disclosures, privacy and credit.

Express customers with regards to every aspect of regulatory conformity including transactions with regulators relating to a variety that is wide of items and customer financial solutions.

Company Transaction-Related Representations

Express customers relating to applications to federal and state banking agencies related to acquisitions, divestitures, businesses and company expansions, including nationwide banking institutions, state banking institutions, commercial loan providers and New York Article XII investment organizations.

Express vendors, purchasers and bidders regarding the mergers, purchases and divestitures of re re payment and customer services that are financial, cash transmitters, ATM/POS sites and customer financial institutions.

Financial and Suggestions Privacy

Offer economic privacy advice to banks, investment companies, investment advisors along with other standard bank consumers, including advice associated with information-sharing practices, disclosures and federal and state information protection and information breach legislation.

“Biometrics within the Financial Services business: Privacy,” Banking & Financial solutions Policy Report, 2002 (quoted in the U.S. Department of Treasury’s “The Use of Technology to Combat Identity Theft: Report on the Study Conducted Pursuant to Section 157 of the Fair and Accurate Credit Transactions Act of 2003 (February 2005)) (co-author april)

“ OCC help with Unfair and Deceptive Lending and Marketing techniques, ” Banking and Financial Services Policy Report, 2002 (co-author july)

“ Recent Amendments to Regulation Z, ” Banking & Financial solutions Policy Report, June 2002 (co-author)

“ Use and Redistribution of Customer Data After Gramm-Leach-Bliley Act, ” Banking & Financial solutions Policy Report, 2000 (co-author september)

Talking Engagements

“Cybersecurity and Data Privacy Post Dwolla: making sure brand New Payment Offerings and Services Effectively Protect fragile Customer Information, in both the U.S. and overseas,” ACI 13th National Forum on appearing Payment techniques, Washington, D.C., 2016 september

“Prepaid Access,” Money Transmitter Regulators Association 2015 Annual Conference & Examiners’ Class, Kansas City, Mo., October 2015

“Add On Credit qualities and improvements in conjunction with Prepaid Access: a concentrate on the Regulatory, Risk and Compliance Challenges related to customer Remote Deposit Capture, Payday Lending and Deposit Advance,” ACI 10th National Forum on Prepaid Card Compliance, Chicago, 2014 october

“Turbulent Seas: Navigating Federal Regulatory Waters without having to sacrifice Innovation, Growth and Profitability,” NBPCA Power of Prepaid, National Harbor, Md., 2014 june

“Managing Privacy and information protection dangers when you look at the Emerging Payments Market, in both the U.S. and overseas,” ACI 6th National Forum on Balancing Innovation with Consumer Protections in growing Payment Systems, Washington, D.C., September 2013

“Identity Theft Rules: Crafting Appropriate Policies for Private Fund Managers,” SRZ Webinar Workshop, May 2013

“The re re re Payments Landscape: New Technologies, Evolving items, Emerging styles, and Their effect on the Payments Industry,” ACI second Annual Practical, Legal, and Compliance Forum on Balancing Innovation With customer Protection in rising Payment techniques, Washington, D.C., September 2011

“Merchant Relationship Programs,” Executive Enterprise Institute Annual that is 25th Payment Institute, Arlington, Va., May 2011

“Alternative Financial solutions in the usa,” Council of Microfinance Counsels Meeting, bay area, February 2011

“Merchant Relationship Programs,” Executive Enterprise Institute 24th Annual Payment Card Institute, Washington, D.C., might 2010

“Bill Payments, Regulation and Compliance,” Money Transmitter Regulators Association (MTRA) Annual Conference, Charleston, N.C., November 2005

“Offering Financial Services on line: legalities in developing and process of internet sites,” Financial Services Volunteer Corps (FSVC) seminar sponsored by Banking Finance Academy in Tbilisi, Republic of Georgia, 2001 january

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