Automated Clearing House and electronic payment legal specialists

Electronic payment matters such as those for an Automated Clearing House are a specialty for Schwartz & Ballen. It is one of the country's most respected law firms in the area of Automated Clearing House and payment law. They offer unique services for multi-bank organizations, financial institutions and other entities.

Partner Robert G. Ballen is one of the leading experts on payments law including Automated Clearing House matters.

The attorneys at Schwartz & Ballen specialize in paper and electronic payment matters. They are well known for their work with check and Automated Clearing House organizations as well as ATM and POS networks, credit and debit card systems, Internet payment products and stored value payment products. Respected members of the firm have authored articles concerning Automated Clearing and payment system issues for major legal journals.

Ballen lectures and writes on this topic extensively and has authored two books: Uniform Commercial Code Article 4A and the Automated Clearing System and Banks and Mutual Funds. He is also a former chairman of the American Bar Association's Payments Subcommittee.

Ballen's clients include financial institutions and multi-bank organizations as well as leading technology firms that provide payments services. Earlier in his career he served in the General Counsel's office of the Federal Reserve Board where he counseled on legal issues related to payments activities including Fedwire and check collection services.

Today, Ballen represents major banks, thrifts, insurance companies and securities firms in connection with new products and services as well as in interstate and inter-industry initiatives. He also advises on financial services regulations and laws as well as represents clients before federal and state supervisory agencies, state legislatures and Congress.

Schwartz & Ballen works with its financial institution clients to ensure compliance with all applicable U.S. banking laws, including consumer laws such as the Truth-in-Lending Act, Fair Credit Reporting Act, Electronic Fund Transfer Act, anti-tying prohibitions, the USA Patriot Act, the Bank Secrecy Act and related money laundering statutes, lending limitations, the Bank Holding Company Act, and other laws and regulations that affect the activities of financial institutions.

Partner Thomas A. Fox also specializes in paper and electronic payment issues.

Fox advises on federal and state legal matters for financial institutions, insurance companies and other bank and non-bank financial services providers. His areas of expertise include ATM networks, credit and debit card systems, Internet payment products and stored value payment products. He provides new product legal reviews and also works on a variety of electronic commerce projects such as customer authentication and data privacy services.

As a member of the American Bar Association's Task Force on Stored Value Cards and Computer Network Payment Products, Fox participated in forecasting and evaluating the potential application of state and federal law to emerging e-commerce products and services. He is the co-author of several articles on electronic payments and e-commerce issues that have appeared in The Electronic Banking and Commerce Reporter, The Banking Law Journal and The Journal of Internet Law.

Schwartz & Ballen is at the forefront of today's issues

Schwartz & Ballen advises leading technology companies on legal issues associated with payments activities and serves as expert witness in litigation involving payments law matters. It also assists merchants and other payees with their credit card, lockbox or other collection activities.

Call on Schwartz & Ballen for electronic payment matters.