Margo Tank

Margo Tank

BuckleySandler LLP

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Special Alert: Third Circuit Gives FTC Green Light to Continue Enforcing Corporate Data Security

Last week, the U.S. Court of Appeals for the Third Circuit affirmed the Federal Trade Commission’s authority to hold companies accountable for their data security practices under Section 5 of the FTC Act (15 U.S.C. § 45(a)),...more

9/1/2015 - Appeals Credit Cards Cyber Attacks Cyber Crimes Cyber Threats Cybersecurity Data Breach Plans Data Privacy Data Protection Data Security Debit Cards FTC FTC Act FTC v Wyndham Gramm-Leach-Blilely Act Hackers Section 5 Unfair or Deceptive Trade Practices Wyndham

Special Alert: CFPB Reports On The Findings From Its "Know Before You Owe" eClosing Pilot Project

In 2014, the Consumer Financial Protection Bureau (“CFPB”) initiated an eClosing pilot program. The eClosing pilot was intended to assist the CFPB in evaluating the use of electronic records and signatures in the residential...more

8/7/2015 - Banking Sector Banks Borrowers CFPB Closing Documents Consumer Lenders Disclosure Requirements Electronic Filing Financial Institutions Mortgage Lenders Mortgages Real Estate Market Real Estate Transactions TILA-RESPA Integrated Disclosure Rule (TRID)

Special Alert: CSBS Issues Policy, Draft Model Regulatory Framework, and Request for Comment Regarding State Regulation of Virtual...

On December 16, 2014, the Conference of State Bank Supervisors (“CSBS”) issued a Policy on State Regulation of Virtual Currency (the “Policy”), Draft Model Regulatory Framework, and a request for public comment regarding the...more

1/9/2015 - Banking Sector Banks CSBS Public Comment Regulatory Agenda Regulatory Standards Rulemaking Process Virtual Currency

Digital Insights & Trends: "Digital Assets"...or Liabilities?

Delaware’s Fiduciary Access to Digital Assets and Digital Accounts Act (H.B. 345) makes Delaware the latest state to regulate access to “digital assets” after death. Unless the account-holder instructs otherwise, legally...more

11/19/2014 - Beneficiaries Digital Assets Digital Media Privacy Concerns

CFPB Announces Two Actions Related To Virtual Currencies

On August 11, the Consumer Financial Protection Bureau (the CFPB or Bureau) issued a “consumer advisory” concerning virtual currency and also announced that it would begin accepting consumer complaints about virtual currency...more

8/18/2014 - Bitcoin CFPB Popular Virtual Currency

New York Virtual Currency Proposal Could Capture Bank Products, Card Rewards Programs

On July 17, the New York Department of Financial Services (NYDFS) proposed a rule intended to govern the virtual currency marketplace. The proposed rule is extremely broad and as currently drafted would appear to capture...more

8/18/2014 - Bitcoin Department of Financial Services Virtual Currency

Special Alert: Recent Regulatory Actions Impacting Virtual Currency Ecosystem

On July 17, the New York Department of Financial Services (NYDFS) proposed a rule intended to govern the virtual currency marketplace. The proposed rule is extremely broad and as currently drafted would appear to capture...more

8/13/2014 - Bitcoin Financial Regulatory Reform Virtual Currency

Digital Insights & Trends: The Future of Regulation in the Digital Economy

As legal advisors to providers in the digital world, we are always thinking about regulation – whether it is coming, when it is coming, and what it will mean for our clients. After all, it is our mission to keep you on the...more

7/10/2014 - Contract Formation Digital Assets Digital Goods E-Commerce Popular

Digital Commerce & Payments Update

In this Issue: - Insights & Trends ..The Future of Regulation in the Digital Economy - Virtual Currency ..GAO Urges CFPB Participation In Virtual Currency Working Groups ..Trade Group White Paper...more

7/8/2014 - Anti-Money Laundering Auto Insurance Automotive Industry Bank Secrecy Act Banks CFPB Choke Point Credit Cards Cybersecurity Data Protection Debit and Credit Card Transactions Debit Cards Digital Goods Enforcement Enforcement Actions FDIC FFIEC GAO Mobile Payments OCC Prepaid Payment Products Virtual Currency

Special Alert: CFPB Supports Mortgage eClosings And Announces Pilot Program

On April 23, in conjunction with its “Know Before You Owe” initiative, the CFPB hosted a mortgage closing process forum, which featured remarks from Richard Cordray, HUD Secretary Shaun Donovan, consumer advocates, and...more

4/25/2014 - CFPB HUD Mortgages

Look Before You Invest: Bitcoins, Virtual Currencies, Emerging Payment Products and Regulatory Compliance

Some regulators have already started pursuing virtual currency and emerging payment providers, with unhappy consequences for financial innovators and their investors. Investors should therefore proceed with caution, demanding...more

11/19/2013 - Bitcoin FinCEN Legal Perspectives Virtual Currency

Is Regulatory Uncertainty an Impediment to Mobile Payments?

The growth of the mobile payment device as a platform for electronic financial services points to increased regulations designed to address the allocation of risks between those who process and facilitate such transactions...more

1/23/2013 - Data Protection Mobile Devices Mobile Payments Payment Processors

E-Signatures: Zulkiewski v. American General Life Insurance Company

Ronald Zulkiewski had a life insurance policy when he died, but because beneficiary changes had been made on the policy before his death, his mother and his wife disputed the rights to the insurance proceeds. The dispute...more


E-Mortgage Implementation Considerations

Adoption of E-Sign and UETA allows the widespread replacement of paper documents with electronic records and use of electronic signatures. This article, reprinted from Thomson/West’s Electronic Banking Law and Commerce Report...more


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