Sean Ruff’s practice focuses on advising emerging and established fintech companies, financial services companies and financial institutions on complex regulatory and transactional matters. He has significant experience with funds transmission and related compliance initiatives, non-bank lending structures and compliance, anti-money laundering and terrorist financing issues under the federal Bank Secrecy Act/anti-money laundering regulations, traditional and emerging electronic payments and payment cards, the Electronic Fund Transfer Act (Regulation E), gift card/prepaid access/stored value matters, virtual currency issuance and transmission, the Electronic Signatures in Global and National Commerce Act (the E-Sign Act), and consumer financial services.