Amy Lauck advises financial institutions and third party service providers on legal and regulatory matters relating to various financial products and services, including prepaid access products, credit cards, mobile banking services, remote image capture services, remittance transfer services, consumer and commercial installment loans, consumer lines of credit, tax-related financial products, deposit and savings accounts and other emerging payment solutions.
She also assists her clients in negotiating complex commercial transactions and financing arrangements, drafting key contracts and consumer disclosures, implementing new financial products and services, responding to and defending against consumer claims, and working with regulators to resolve supervisory and enforcement matters.
Amy previously served as Senior Legal Counsel at MetaBank where she assisted in implementing and administering a variety of financial products and services.
Awards & Recognition
- Voted Top 10 Payments Lawyer of 2014 by Paybefore™
- Represented several leading prepaid card issuing banks with third party vendor management, contract negotiations, compliance and new product implementation matters.
- Counseled credit card issuing banks and service providers in developing new consumer credit products, including development of consumer disclosures, marketing materials and financing arrangements for loan receivables.
- Assisted financial institutions with the roll-out of consumer mobile and internet banking services and ancillary services such as bill pay, PopMoney, SMS text banking and remote deposit capture.
- Represented financial institutions on the roll-out of cash management services, including internet banking, ACH origination services, wire transfer services, remote deposit capture services, and positive pay services.
- Advised issuers and service providers on various regulatory requirements, including, but not limited to: Truth in Lending Act (Regulation Z), Equal Credit Opportunity Act (Regulation B), Electronic Funds Transfer Act (Regulation E), Durbin Amendment (Regulation II), Truth in Savings Act (Regulation DD), Gramm Leach Bliley Act (Regulation P), Fair Credit Reporting Act (Regulation V), Fair Debt Collection Practices Act (Regulation F), Servicemembers Civil Relief Act, Military Lending Act, Bank Secrecy Act, OFAC regulations, FFIEC internet banking guidance, NACHA rules, network operating rules, FinCEN MSB rules, state money transmission rules, and various other payment systems requirements.
Media & Presentations
Lindquist Gets Real: Real Estate Tips from Lindquist & Vennum
"Back to Basics"
Presenter, Power of Prepaid Pre-Conference Workshop, Washington D.C.
"Federal Regulatory and Enforcement Roundtable," Moderator, American Conference Institute National Forum on Prepaid Card Compliance, Washington, D.C.
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