Fintech & Financial Regulation
We advise fintech companies, regulated financial institutions and technology platforms on the design, structuring and scaling of regulated financial products and payment infrastructures across the United States and Latin America. Our practice combines U.S. and Argentine legal expertise within a single team — providing integrated, commercially grounded counsel across licensing, compliance, transactional work and regulatory enforcement.
Registration and ongoing compliance for Payment Service Providers (Proveedores de Servicios de Pago) before the Banco Central de la República Argentina. We advise on eligibility requirements, corporate structuring, fund safeguarding obligations and the full documentation required under the BCRA's applicable Comunicaciones framework — as well as post-registration compliance, regulatory reporting and supervisory interactions.
Registration and regulatory strategy for Virtual Asset Service Providers (Proveedores de Servicios de Activos Virtuales) before the Comisión Nacional de Valores, pursuant to Law 27,739 and applicable CNV regulations. We advise on the full registration process, AML/CFT program design, UIF reporting obligations and ongoing compliance with CNV supervisory standards for virtual asset exchange, brokerage and custody services.
Licensing and regulatory compliance for Proveedores No Financieros de Crédito before the BCRA. We advise consumer lending platforms, BNPL operators and non-bank credit providers on registration requirements, minimum capital, interest rate caps, disclosure obligations and ongoing BCRA reporting. We have direct experience guiding consumer lending fintechs through the full PNFC registration process.
Compliance with Argentine consumer finance law, including Law 24,240 (Ley de Defensa del Consumidor), BCRA consumer protection rules for payment and credit products, and CNV investor protection standards for PSAV services. We advise on disclosure requirements, contractual terms, error-resolution mechanisms and regulatory complaints before the BCRA's Área de Defensa al Usuario de Servicios Financieros.
Design and implementation of AML/CFT programs for PSPs, PSAVs, PNFCs and other UIF-obligated entities. We advise on obligated-subject status determinations, internal compliance policies, suspicious transaction reporting (ROS), KYC/PEP and sanctions screening programs, and UIF regulatory examinations.
Legal advice on Argentina's foreign exchange regulations, including MULC access restrictions, repatriation requirements, CNV-regulated FX transactions and compliance with BCRA exchange control Comunicaciones for fintech products and cross-border payment flows.
Money transmitter licensing across U.S. state MTL regimes, FinCEN MSB registration and regulatory mapping for payments businesses operating in or expanding into the United States. We advise on licensing strategy, application preparation, surety bond requirements and ongoing compliance with state money transmission laws.
Legal structuring of digital wallets, stored-value products and payment instruments under U.S. federal and state law, including fund safeguarding obligations, permissible investment requirements and compliance-by-design methodologies.
End-to-end regulatory analysis of cross-border payment flows between the United States and Latin America, covering flow-of-funds documentation, FX structuring, settlement mechanics, correspondent banking relationships and multi-jurisdiction operational constraints.
Counsel on BSA/AML compliance, OFAC sanctions screening, FinCEN regulatory guidance, CFPB standards and federal oversight frameworks applicable to non-bank financial service providers, including Regulation E, Regulation Z and UDAAP compliance for fintech products.
Regulatory analysis and structuring for stablecoin issuers, crypto-asset exchanges, digital asset brokers and token-based payment platforms operating in the U.S. and Argentina. We advise on issuer structuring, reserve management, exchange and brokerage models, custody solutions and the evolving regulatory treatment of digital assets in both jurisdictions.
Representation before the BCRA, CNV, UIF, FinCEN and state financial regulators in licensing proceedings, examinations, supervisory inquiries and enforcement actions. We prepare licensing applications, respond to information requests and represent clients in investigations, remediation proceedings and settlement negotiations.
Legal support for fintech-related corporate transactions, including investment documentation, commercial agreements with payment processors and technology providers, banking-as-a-service arrangements and regulatory due diligence in M&A and capital-raising processes.