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Fintech

Overview

Nutter’s Fintech team advises technology-driven financial services companies, investors, and traditional financial institutions on the evolving intersection of finance, regulation, and innovation. We provide strategic counsel to help clients bring new financial technologies to market while navigating complex and rapidly changing legal landscapes.

Our multidisciplinary practice combines the firm’s deep experience in banking, securities, corporate, and regulatory law to support clients from formation and funding through product development, partnerships, and compliance. We help clients navigate regulatory complexity, structure collaborative ventures, and pursue growth opportunities.

Our Clients
We represent a broad spectrum of clients across the fintech ecosystem, including payments companies, digital lenders, wealth management platforms, blockchain and digital asset enterprises, financial data aggregators, regtech providers, and investors supporting innovation in financial services. Our clients range from early-stage startups to established financial institutions integrating new technologies into their service offerings.

Our Practice

Corporate and regulatory matters

  • Formation and organization of fintech companies
  • Collaborative ventures among financial services providers, including third-party networking arrangements and Banking-as-a-Service (BaaS) models
  • Strategic partnerships and joint ventures with financial institutions
  • Guidance on regulatory frameworks applicable to payments, lending, securities, and digital assets, including novel charters, Federal Reserve master accounts, payments networks rules, and state money transmitter licensing
  • Compliance with state and federal regulators, including banking, securities, and consumer protection agencies
  • AML/BSA and risk management considerations

Capital raising and transactions

  • Venture capital and private equity financings
  • Mergers, acquisitions, and strategic investments
  • Public and private offerings of debt and equity securities
  • Restructurings and exit transactions

Product development and commercialization

  • Design, launch, and licensing of innovative financial products and services
  • Commercial agreements supporting product development

Data, cybersecurity, and AI

  • Data privacy and cybersecurity compliance
  • AI risk assessments, governance, and contracting for clients developing or adopting AI-driven solutions

View Practice Team

Representative Matters

Representative Matters

Group RHI
Nutter represented Group RHI in multiple acquisitions of retirement services and technology providers, including Pension Studio, Billings and Company, and America’s 401k.

Bank-Fintech Partnerships
Nutter has counseled multiple banks and fintechs on bank-fintech partnerships, including advising banks on third-party relationships, and fintechs on bank partnership models including use of FBO accounts. 

Investment advisers, broker-dealers, and fintech market participants
Nutter represented investment advisers, broker-dealers, and fintech market participants in SEC and state regulatory investigations involving registration, disclosure, and supervisory matters.

  • Leader Bank, N.A. and Leader Bancorp, Inc.

    Nutter served as sole outside legal counsel to Leader Bank, N.A. and its parent company Leader Bancorp, Inc. in connection with the recent spin-out of ZSuite Technologies.

  • Northeast Retirement Services, Inc.

    Nutter advised Northeast Retirement Services, Inc., a leading provider of plan accounting, transfer agency, fund administration, trust and retirement plan services, in its acquisition by Community Bank System, Inc. (NYSE: CBU), a transaction valued at approximately $146 million.

  • Definiti

    Nutter served as legal counsel to Definiti, a private equity-backed, national leader in the retirement services industry, in connection with its acquisition of Wisconsin-based National Administration, Inc (NAI).

  • Definiti LLC

    Nutter served as legal counsel to Definiti LLC, a private equity-backed, national leader in the retirement services industry, in connection with its acquisition of Dana Consulting Group, Ltd. and Noble-Davis Consulting, Inc., two firms in the Great Lakes Region.

  • Definiti LLC

    Nutter served as legal counsel to Definiti LLC, a private equity-backed, national leader in the retirement services industry, in connection with its acquisition of Boetger Retirement Plan Services, LLC, a full-service design, recordkeeping, administration, and consulting firm specializing in administration of qualified retirement plan programs based in Pennsylvania.

  • Definiti LLC

    Nutter served as legal counsel to Definiti LLC, a private equity-backed, national leader in the retirement services industry, in connection with its acquisition of Capital Retirement Plan Services, LLC.

  • Fidelity Bank

    Nutter successfully obtained a settlement on behalf of its client Fidelity Bank in connection with a multi-district litigation class action relating to the TelexFree international Ponzi scheme. The Court approved the $22.5 million settlement and entered judgment dismissing the claims with prejudice. The legal team was led by Ian Roffman, chair of Nutter’s Securities Enforcement and Litigation practice, and included Joe Toomey, Ken Ehrlich, and Tom Curry.

  • LifeYield

    Nutter advised LifeYield, a Boston-based, tax-smart technology provider, in connection with its acquisition by SEI® (NASDAQ: SEIC).

News & Insights

Publications

Experience

  • Leader Bank, N.A. and Leader Bancorp, Inc.

    Nutter served as sole outside legal counsel to Leader Bank, N.A. and its parent company Leader Bancorp, Inc. in connection with the recent spin-out of ZSuite Technologies.

  • Northeast Retirement Services, Inc.

    Nutter advised Northeast Retirement Services, Inc., a leading provider of plan accounting, transfer agency, fund administration, trust and retirement plan services, in its acquisition by Community Bank System, Inc. (NYSE: CBU), a transaction valued at approximately $146 million.

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