Yvonne Bowser-Caballero is a skilled attorney at Shipkevich PLLC with specialized expertise in U.S. consumer financial services and payments laws, focusing on regulatory compliance, enforcement actions, and corporate transactional services. Ms. Bowser-Caballero excels in creating tailored solutions to ensure both legal compliance and strategic business growth. During her tenure with the firm, Ms. Bowser-Caballero has assisted her clients with the following:

She has represented both payments, FinTech, and debt relief companies alike in state and federal investigative demands and consumer complaints, negotiating favorable settlements, when required, respectively.

She regularly provides licensing and registration guidance to clients, performing compliance reviews of internal company policies, procedures, and documents to ensure they meet the regulatory standards of both state and federal consumer financial protection laws (e.g., TSR, FCRA, Dodd-Frank Act – UDAAP, TILA, Bank Secrecy Act (BSA), etc.).

She has drafted and reviewed essential business operation documents for clients, such as affiliate agreements, service agreements, KYC/AML policies, privacy policies, terms of service, and marketing materials, to enhance business practices and mitigate legal risks.

Ms. Bowser-Caballero is adept at representing companies in all aspects of both state and federal regulatory compliance matters, helping her clients navigate the complexities of U.S. financial regulations. On the federal level, Ms. Bowser-Caballero monitors developments in legislation and enforcement across the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), and Financial Crimes Enforcement Network (FinCEN) agencies. On the state level, Ms. Bowser-Caballero keeps up to date with enforcement, litigation, and legislative trends in the money transmission, virtual currency, payments, debt relief, lending, and consumer financial services space, generally. Ms. Bowser-Caballero is highly experienced with the nationwide state licensing NMLS system, as well as navigating independent state licensing systems, and regularly speaks with both federal and state regulators alike. In addition, Ms. Bowser-Caballero is fluent in Spanish.