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Matt White guides clients through regulatory compliance challenges and represents clients in regulatory and civil investigations and litigation.

Matt has counseled fintech and payment companies on regulatory compliance matters, including those involving the Electronic Fund Transfer Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the Truth in Lending Act, and their respective implementing regulations (Regulations E, V, P, and Z). Adept with the Consumer Financial Protection Bureau’s (CFPB) Prepaid Rule, Matt has provided guidance regarding prepaid cards and related compliance.

Matt has also aided clients in developing regulatory compliant products and functionalities, including an earned wage access program, reimbursement prepaid card programs, new merchant cash advance products, and tokenized payment capabilities. In connection with products on which Matt advises, he has also negotiated high-stakes technology sales agreements involving complex regulatory issues, including compliance with data privacy laws, financial regulations, and card network rules.

Beyond helping clients strategize for regulatory complexity, Matt also helps clients navigate government investigations and enforcement actions brought by the Federal Trade Commission (FTC), CFPB, and state attorneys general.

Vermont enacted H.648, requiring certain commercial financing providers and brokers to obtain licenses and provide standardized disclosures.

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Continue Reading Vermont Imposes Licensing and Disclosure Requirements for Sales-Based Financing and Factoring Transactions

Louisiana’s Money Transmission Act replaces the state’s prior framework with a new licensing regime for money transmitters.
Continue Reading Louisiana Enacts New Money Transmission Act, Largely Adopting Model Money Transmission Modernization Act

On July 10, 2026, New York City Department of Consumer and Worker Protection (DCWP) finalized and adopted its “Click-to-Cancel Rule,” which takes effect on Oct. 1, 2026.…

Continue Reading NYC Finalizes Click-to-Cancel and Hotel Junk Fees Rules, Proposes New Junk Fees Rule

President Trump has nominated Brian Johnson, a Capital One executive and former CFPB official, to serve as the Bureau’s next director. His nomination signals continued regulatory restraint at the federal level, while state actors move to fill the enforcement gap.…

Continue Reading Brian Johnson Nominated as New CFPB Director

Texas Attorney General Ken Paxton sued Discord under the Texas Deceptive Trade Practices Act, alleging false safety representations and default settings that expose minors to exploitation risks.…

Continue Reading Texas AG Secures Temporary Restraining Order Against Discord Over Alleged Deceptive Safety Practices

California’s DFPI reached a $1 million settlement with Yotta Technologies over alleged false FDIC insurance representations connected to the Synapse bankruptcy, signaling heightened state scrutiny of fintech-bank partnerships and banking-as-a-service models.…

Continue Reading California DFPI Announces $1M Settlement with Yotta for ‘FDIC Insurance’ Misrepresentations

On May 1, 2026, the CFPB finalized a revised Section 1071 rule under ECOA, narrowing covered institutions, products, and required data points from the 2023 Rule, with a single compliance date of Jan. 1, 2028. Financial institutions may wish to begin assessing coverage status and compliance readiness.…

Continue Reading CFPB Final Rule Narrows Small Business Lending Data Collection Requirements

On May 12, 2026, Gov. Gavin Newsom announced the appointment of Rohit Chopra, former director of the Consumer Financial Protection Bureau and former commissioner of the Federal Trade Commission, to lead California’s newly created Business and Consumer Services Agency (BCSA). If confirmed by the California Senate, Chopra will serve as the first secretary of the…