Erin Fonté

Erin Fonté

Cox Smith

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Top Business Risks For Cloud Computing

As anyone who watches television knows, cloud computing is a term that is as ubiquitous as “scalable” and “software as a service.” The decision to utilize cloud technology offers many benefits. But for the business lawyer...more

3/18/2015 - Cloud Computing Cloud-Based Services Corporate Counsel Data Protection Popular Risk Management

Prepaid Card Programs Take Another Regulatory Hit

Prepaid card programs seem to be under greatly increased regulatory scrutiny lately. In addition to the 870 page rule the CFPB recently proposed to regulate prepaid card programs, the FDIC also recently released guidance that...more

3/16/2015 - CFPB Credit Cards FDIC Prepaid Payment Products

Client Alert: Basel III Impact on Commercial ADC Loans

Basel III (updated capital rule) requires banks to maintain capital based in part on the riskiness of the assets in their portfolios. To the extent more capital is required to support a transaction, that transaction is likely...more

1/16/2015 - Banks Basel III Capital Requirements Commercial Loans Interest Rates Real Estate Development Real Estate Investments Secured Loans

Legal Issues With Mobile Payments

A short time ago, I stopped to pick up the family dry cleaning when an alert from a pharmaceutical retailer that noticed I was nearby popped up on my mobile phone. “Slide to activate your digital rewards card and come in for...more

12/8/2014 - Geo-Fencing Mobile Payments Mobile Privacy

CFPB Proposes to Treat Prepaid Cards Like Checking Accounts and Credit Cards

The CFPB yesterday proposed a new rule that would regulate prepaid accounts. The rule, which is 870 pages long, would apply not only to plastic prepaid cards, but also to some mobile and electronic prepaid accounts not...more

11/20/2014 - Bank Accounts Banking Sector CFPB Credit Cards Financial Institutions Prepaid Payment Products Proposed Regulation Regulation E Rulemaking Process Virtual Currency

Apple Pay Wants to Be the Apple of Your Bank’s Eye

We have been rather busy counseling banking clients who are trying to decide whether to participate as Issuers in the Apple Pay program. The card issuing financial institutions (“Issuers”) initially announced for immediate...more

10/13/2014 - Apple Apple Pay Banks Fees Liability Privacy Concerns

Key Takeaways from American Bankers Association 2014 Regulatory & Compliance Conference

For those who did not get to attend in June, this year’s American Bankers Association Regulatory & Compliance Conference brought together a couple of thousand attendees to hear from regulators, presenters and ABA staff and...more

7/18/2014 - American Bankers Association Anti-Money Laundering Bank Secrecy Act Bank Security Procedures Banks Biggert-Waters Flood Insurance Reform Act Community Reinvestment Act Compliance CRA Cybersecurity Data Protection Debt Collection Fair Lending FCRA Mortgages RESPA Risk Management Unfair or Deceptive Trade Practices

Overview of Mobile Payments in the United States

Mobile payments technology is poised to create a globally dramatic shift in how individuals pay for goods and services, track spending, and manage personal finances. Mobile payments are also becoming big business for...more


Mobile Payments Start-Ups: The need to know landscape

Originally published in E-Finance & Payments Law & Policy - February 2013. New payments companies need to be aware of the legal and compliance issues that are part of operating in two of the most heavily regulated US...more

4/3/2013 - CFPB COPPA Electronic Fund Transfer Act FinCEN FTC Mobile Devices Mobile Payments Mobile Privacy Mobile Services Regulation Z Startups TILA

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