Fintech M&A in 2025: Regulatory Compliance, Due Diligence, Deal Structuring, Developments and Trends

Mr. Napier advises banks, financial technology companies, and financial service companies on a variety of regulatory compliance and enforcement matters, including matters involving fair lending, fair servicing, unfair, deceptive, or abusive acts or practices (UDAAP), Community Reinvestment Act compliance, money transmission and payments, alternative credit, state law and deposit issues. He also advises both banks and financial technology companies on the use of new technologies and digital channels, the development of novel financial products, establishing technology-based partnerships, and resolving disputes with partners and third-party service providers. In addition, Mr. Napier frequently represents clients during examinations and investigations by the: Department of Justice, Consumer Financial Protection Bureau, Federal Trade Commission, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Reserve Board, and state attorneys general and state regulators.

Mr. Silvia represents financial institutions in a variety of corporate and regulatory matters, including mergers, acquisitions, strategic transactions, structured and subordinated finance, loan sales and participations, corporate governance, payments, anti-money laundering and OFAC/sanctions compliance, and private equity and venture capital investments – in short, everything but litigation. His clients include international, national, regional, community, retail and commercial banks, fintech companies, credit unions and corporations. Mr. Silvia advises clients on various corporate, regulatory and operational issues, including mergers and acquisitions, corporate governance, BSA/AML/CFT and sanctions compliance, risk and regulatory compliance, digital assets and blockchain, affiliate transactions, third party risk management (including agreements), Treasury (cash) management agreements, new or novel product and service agreements and implementation, and state and federal licensing regimes, among other issues. Mr. Silvia is a member of the firm’s Digital Assets and Blockchain Group, is Chair of the ABA’s Banking Law Committee, a faculty member of the bi-annual seminar, Fundamentals of Banking Law, and an adjunct professor of law at the IIT Chicago-Kent College of Law (Banking Law) and the Boston University School of Law (Fintech Regulation).