Molly Swartz is a partner of the Global Fintech & Payments practice at Paul Hastings. She is based in the firm’s San Francisco office. In her practice, Ms. Swartz represents and advises financial technology companies, internet marketplaces, and commercial and consumer lenders, regarding a broad spectrum of transactional, regulatory and general corporate matters. Ms. Swartz has experience with consumer protection laws, as well as the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Bank Secrecy Act, state money transmission and licensed lending laws, gift card laws, payment network rules, and other state and federal statutes related to money movement. Her representative experience includes: Advising public and private companies regarding state financial services licenses, including money transmission, lending, loan brokering, servicing and debt collection licensing regimes. Advising clients regarding regulatory and strategic decisions regarding product development, including potential opportunities and constraints. Drafting and negotiating payment processing agreements between merchants, payment intermediaries (e.g., processors, payment facilitators, third-party senders), and banks. Drafting user-facing collateral, including user agreements and authorizations, and product flows to minimize regulatory and consumer protection risk. Drafting and negotiating program management agreements to support “challenger banks” and bank loan origination partnerships.