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Earnings, funding, consolidation and hiring across fintech and legal services.


How a Federal Rule Becomes Binding: The Notice-and-Comment Timeline Compliance Teams Should Plan Around
Naomi BergmanFrom Unified Agenda entry to effective date, the Administrative Procedure Act sets the floor and Executive Order 12866 and the Congressional Review Act set the calendar. A practitioner's map of the stages that create obligations and the exceptions that compress them.

Fed's Payment-Account Proposal Draws Industry Comments: Direct Settlement Access for Fintechs Advances
Naomi BergmanThe May 20 proposal for a clearing-and-settlement-purpose account — distinct from a master account — moved through its comment cycle in July, and the industry's letters show the fault lines.

App-Store Privacy Labels and Data-Broker Registries: The Representation Risk in Fintech SDKs
Naomi BergmanThe label on the store page is a legal statement about your SDK stack — and both regulators and class counsel now read it against the traffic.

Executive Order 14405 Directs Regulators to Rewrite Fintech Rules: The 180-Day Clock Explained
Naomi BergmanThe May 19 order tells every federal financial regulator to review and update its rules for digital assets and innovative technology — with agency deliverables due by mid-November.

When the Open-Banking API Fails: Liability Architecture for Gateway Downtime and Bad Data
Naomi BergmanOpen-banking rails turn interface uptime into consumer-outcome law — the contracts decide who pays when the pipe breaks and the data lies.