Regulation
Regulation MC Explained: What the Fed's Government Securities Rule Covers and Who It Reaches
William ElliottA plain-English look at the Federal Reserve rule that governs Treasury and agency securities transactions, financing, and margin.
Regulation
Regulation follows rulemaking that touches payments, lending, crypto and market infrastructure. Consultation drafts, final texts, transition periods and enforcement priorities are read closely, then translated into what a product team must change. Aimed at counsel and operators tracking obligations across more than one jurisdiction.
Consultation papers, final rules and implementation deadlines across major jurisdictions.
Regulation
Regulation E Explained: Error Timelines, Liability Limits, and Dispute Steps for Electronic Payments
William ElliottThe federal rule behind EFT error resolution, and what it actually obliges a bank or fintech to do when a transfer goes wrong.
Regulation
Cross-Border Data Transfers in Fintech: SCCs, Adequacy, and Compliance After Schrems II
William ElliottMoving customer data across borders is a daily fintech operation. The legal tools for doing it are narrower than most vendor dashboards suggest.
Regulation
UDAAP Explained: The Three Legal Tests Behind Unfair, Deceptive, and Abusive Practices
Aleksandr KomarovUnfair, deceptive, and abusive acts or practices are governed by three distinct statutory tests, not one blanket standard, and enforcement authority splits by institution size and charter.
Regulation
What the CFPB's Personal Financial Data Rights Rule Requires, and When Compliance Deadlines Hit
Aleksandr KomarovThe CFPB's Section 1033 open-banking rule takes effect in stages from April 30, 2026. Here is what the final rule requires of banks, fintechs, and data aggregators.
Regulation
Utah's AI Policy Act: Disclosure Duties When Regulated Professions Use Generative Tools
William ElliottThe first state statute to regulate generative AI in professional practice is short, civil-penalty enforced, and the template other states copied.