Regulated financial services
AI-native regulatory counsel for companies that move money.
Payments, lending and money movement answer to a state licensing map and a stack of federal agencies above it. This group works across both, and treats the licensing calendar as part of the product, not paperwork.
The work
Where money movement turns into a licensing question.
Most of these arrive the same way: the product shipped, it worked, and now someone has asked what it is.
Money transmission analysis
Whether the flow of funds through your product is transmission, and if so, in which states and under whose licence.
BSA / AML program design
A written program that matches how the business actually operates, rather than a template that describes a different company.
Lending and credit compliance
Licensing, disclosures, rate and fee structure, servicing and collections posture across the states you lend in.
Bank and platform partnerships
The agreements and the oversight expectations that come with sitting on someone else’s charter.
Licensing and renewals
Applications, the questions that follow them, and the renewal calendar that outlives whoever filed the original.
Examinations and correspondence
Responding to examiners and regulator inquiries with a position that holds together across every state asking.