Regulation is not a one-time hurdle for financial services companies — it is an ongoing condition of doing business. Shipkevich PLLC serves as regulatory and compliance counsel to financial services, fintech, payments, and digital asset companies, helping them build compliance into how they operate rather than treating it as an afterthought. For many clients, we function as an extension of their compliance team: drafting the programs, answering the day-to-day questions, and standing alongside them when regulators come to examine.

Our advisory work spans the agencies our clients answer to — FinCEN, the SEC, the CFTC, the CFPB, the FTC, and state banking and financial regulators — and the full lifecycle of a regulated business, from initial licensing and program design through examinations, regulatory change, and remediation.

Building and maintaining compliance programs. We draft the policies, procedures, and controls a regulated business needs, ground them in a real risk assessment, and keep them current as the business and the rules evolve.

Examinations and regulatory engagement. We prepare clients for examinations, manage the regulator relationship during them, and handle the findings, memoranda of understanding, and remediation that can follow.

Regulatory change management. The pace of change in our clients’ markets is unusually fast right now — the GENIUS Act, the Money Transmission Modernization Act, and the CLARITY Act among them. We translate new requirements into concrete actions before deadlines arrive.

Product and transaction counseling. We review new products, marketing, and disclosures for regulatory compliance before they reach the market, catching issues while they are still easy to fix.

Representative Experience

• Serve as outside regulatory counsel on monthly retainers to payments, debt-settlement, lending, FX, and digital-asset companies, fielding day-to-day compliance questions on licensing, disclosures, telemarketing, TCPA consent, and state consumer-protection law.
• Drafted compliance manuals, privacy policies, customer agreements, independent-IB review procedures, and ECP self-certification forms for CFTC-registered firms, and responded to NFA comments on them.
• Prepared verified multi-state surveys of money transmitter, loan-brokering, and telemarketing licensing requirements, each checked against the governing statutes.
• Drafted an administrative digital marketing and intellectual-property compliance policy for a consumer-finance group, and reviewed direct-mail and television advertising creative for compliance before launch.
• Reviewed legal services, legal-plan, lead-generation, affiliate marketing, and backend-servicing agreements for compliance with state debt-settlement, fee-sharing, and telemarketing restrictions.
• Maintain a standing regulatory alert program covering money transmission, digital assets, debt settlement, and FCRA docket developments, and publish state-by-state client alerts through JD Supra.

Related practice areas: Money Services Businesses & Money Transmission · BSA/AML Compliance for MSBs & Fintechs · Capital Markets & Derivatives · Digital Assets, Blockchain & Cryptocurrency · Financial Institutions