Max advises banks, fintechs, credit unions, digital asset companies, and other financial services providers to mitigate regulatory and enforcement risk.
His practice focuses on consumer finance regulation, advising clients on new product development, licensing and multistate expansion, marketing and servicing, and the structuring of consumer and B2B financial products and services. He advises on a range of federal consumer financial laws and regulations, including the Electronic Fund Transfer Act (EFTA) and Regulation E, Truth in Lending Act (TILA) and Regulation Z, Fair Credit Reporting Act (FCRA), prohibitions against unfair, deceptive, or abusive acts or practices (UDAAP), and Bank Secrecy Act (BSA) and anti-money laundering (AML) requirements. He helps clients refine business models and product offerings to address regulatory requirements and reduce risk under state and federal law.
His experience spans digital asset and crypto products, credit cards, mortgage lending, lender-placed insurance, solar lending, lead generation, payday lending, and other forms of credit. Max also drafts and negotiates commercial agreements for bank-fintech partnerships and other financing arrangements, as well as compliance policies and internal procedures.
A strong understanding of blockchain technology and the cryptocurrency space complements this experience and allows Max to quickly assess the regulatory considerations of financial products incorporating these technologies.
Max counsels clients responding to regulatory inquiries, including subpoenas, civil investigative demands, and examinations by federal and state regulators. Across these matters, he helps clients assess their obligations, develop an effective response, and address regulatory issues while keeping their businesses moving forward.
Clients and colleagues appreciate his ability to organize and distill complex concepts and structures with clarity and precision. He takes a thoughtful, detail-oriented approach to his work, with a focus on delivering client-ready solutions.