May 28, 2022

Volume XII, Number 148


Erin F. Fonté

Erin’s practice focuses largely on four areas: FinTech, traditional and emerging payments (including mobile), banking operations and regulatory, and privacy and data security.

Erin is co-chair of the firm’s financial institutions corporate and regulatory practice. She assists clients with a broad range of legal and regulatory matters related to payments and payment systems, digital commerce, banking and financial services, technology and internet products, privacy and data protection laws, and general corporate matters.

Erin regularly advises financial institutions and alternative payment providers regarding mobile banking, mobile payments, and mobile wallet products and services. She has been involved in the creation of new payment networks and has worked extensively on emerging products, services and network operating rules related to mobile payment systems.

On behalf of advertisers, marketers and retail companies, Erin provides industry-focused guidance regarding mobile payments and add-on mobile products such as mobile loyalty/rewards and geo-location advertising, coupons and offers. She also has experience with a broad range of matters related to e-commerce technology and internet products, confidentiality and data security laws. In addition, Erin counsels clients on a broad range of general corporate matters.

A recognized thought leader, Erin writes and speaks frequently on payments, mobile payments, and privacy and data protection issues.

Relevant Experience

Payments Systems and Digital Commerce:

Erin represents retailers, financial institutions, non-bank payment systems and financial services companies, and other third-party businesses engaged in “anywhere commerce,” including point-of-sale, online e-commerce, and mobile commerce, as well as “set-top” commerce via television or game systems.

  • Credit cards, debit cards and ACH networks:

    • Counsels issuing banks and retailers on agreements and transactions relating to ACH and debit, credit and stored-value card related agreements and transactions.

    • Negotiates payment-processing contracts.

    • Counsels financial institutions on merchant-acquisition matters.

    • Negotiates co-branding, issuer, processor, and third-party sales and distribution agent agreements.

    • Advises financial institutions, vendors, processors and merchants on ACH and physical and remote deposit-capture, check-based payments, transactions, disputes and related agreements.

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Articles in the National Law Review database by Erin F. Fonté