Fintech, Payments, and Digital Assets will provide a broad overview of the legal and regulatory frameworks governing modern financial technology products and services. Starting with core concepts in money movement, the course will examine both traditional rails and the newer infrastructure that powers fintech offerings, including real-time payments, open banking APIs, and digital wallets. From there, we’ll explore developments in other consumer financial services, peer-to-peer transfers, and the treatment of digital assets. We’ll also spend some time on classical payment topics, including negotiable instruments as long as these are hanging around as topics for the Georgia Bar.
We’ll cover key U.S. federal and state laws, network rules, and compliance expectations for fintechs, especially in bank partnerships. Beyond the specifics of fintech and payments issues, the course is designed to give students a perspective on practicing as a regulatory lawyer (especially as an in-house regulatory lawyer), with a focus on statutory and regulatory analysis and how to effectively translate that analysis into practical commercial counseling.