Legal Advice for Fintech

Lawyers for Fintech | Legal for Fintech

Fintechs operate in a highly regulated market, legal advice for Fintech is essential to ensure compliance with the laws and regulations for the proper functioning of the business.

Our lawyers specializing in Fintech offer comprehensive legal advisory, including:

  • Authorization Requests with the Central Bank and CVM: Structuring Corporate Governance and Compliance for submitting authorization requests.
  • Risk and Opportunity Analysis: Identifying specific regulatory, reputational, and operational risks of your business, as well as market opportunities.
  • Drafting of Contracts and Agreements: Writing clear, balanced, and suitable legal documents for your needs, ensuring the protection of your interests.
  • Legal Consulting: Providing strategic guidance on the legal aspects of your business, focusing on legal compliance and maximizing results.
  • Representation in Administrative and Judicial Proceedings: Defending your interests in case of legal issues, ensuring the protection of your rights.
  • Monitoring Regulatory Changes: Constantly tracking changes in laws and regulations that impact your business, so you are always in compliance.

By relying on specialized legal counsel for Fintech, you ensure that your business is compliant with laws and regulations, protecting your interests and maximizing your chances of success.

With 12 years of practice and over 400 clients served, Silva Lopes Advogados assists Fintechs throughout the entire authorization process with the Central Bank of Brazil (Bacen) and the Securities and Exchange Commission of Brazil (CVM), in addition to structuring and implementing all the necessary Compliance and Corporate Governance for a Fintech. The firm’s expertise in providing specialized legal advisory for Fintechs has been consolidated by serving numerous Fintechs, making it one of the leading names in Brazil.

Among the types of Fintechs served by the firm, the following stand out:

  • Payment Institution
  • Sub-acquirer (Payment Facilitator)
  • Payment Transaction Initiator (ITP)
  • Banking as a Service (BaaS)
  • Direct Credit Company (SCD)
  • Peer-to-Peer Lending Company (SEP)
  • Financial Institution
  • Equity Crowdfunding

The legal counsel for Fintechs offered by Silva Lopes Advogados is provided by lawyers specializing in Fintechs. For more information about the services and plans offered, please get in touch.

 

The importance of the Legal advice for Fintech

In an increasingly digitized and competitive financial market, Fintechs emerge as innovative companies that challenge traditional models and offer more agile and personalized financial solutions. In this context, the role of the lawyer for Fintechs becomes fundamental to ensure the success and legal certainty of the business.

Our lawyers specializing in Fintechs have expertise in several areas, ensuring:

  • Legal Certainty: Minimizes legal risks and protects the business from legal problems.
  • Regulatory Compliance: Avoids sanctions and fines for non-compliance with regulations.
  • Competitiveness: Gains a competitive advantage in the market by being in compliance with laws and regulations.
  • Sustainable Growth: Ensures that the business grows sustainably and securely, avoiding legal problems that could compromise the Fintech’s future.

Our specialized lawyers are the essential strategic partners for the success of your Fintech. For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Payment Institution

Payment Institutions play an essential role by facilitating electronic transactions and offering innovative financial solutions for both companies and individuals. Silva Lopes Advogados has a team of lawyers for Fintech, with dedicated services in the areas of: Compliance, Regulatory, Corporate Contracts, Corporate Law, Intellectual Property, and Tax Law.

Among the legal advisory services for Payment Institutions, the firm’s specialized Fintech lawyers work on:

  • Authorization request with the Central Bank;
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Payment Institution.

Our specialized lawyers are the essential strategic partners for the success of your Payment Institution. For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Sub-acquirer

Sub-acquirers are Fintechs that are part of the payment chain, acting as a link between acquirers (Payment Institutions) and commercial establishments. The legal landscape for sub-acquirers presents a series of challenges that require specialized monitoring by experienced Fintech lawyers.

Sub-acquirers have been growing exponentially in the Fintech market, driven by digitalization and the demand for more agile and innovative payment solutions.

Among the legal advisory services for Sub-acquirers, the firm’s specialized Fintech lawyers work on:

  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Sub-acquirer.

Our specialized lawyers are the essential strategic partners for the success of your Sub-acquirer. For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Payment Transaction Initiator (ITP)

Payment Transaction Initiators (ITPs) are companies that, upon authorization from the Central Bank of Brazil, initiate payment transactions on behalf of their clients. However, the constantly changing regulatory environment presents several legal challenges that require the guidance of lawyers specializing in Fintechs.

The payments market is dynamic and competitive, and ITPs are exposed to various risks and challenges, such as cybersecurity risks, fraud risks, reputational risks, and regulatory risks. Our specialized legal counsel assists in identifying, assessing, and mitigating these risks.

Among the legal advisory services for a Payment Transaction Initiator (ITP), the firm’s specialized Fintech lawyers work on:

  • Authorization request with the Central Bank for a Payment Transaction Initiator (ITP);
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Payment Transaction Initiator (ITP).

Our specialized lawyers are the essential strategic partners for the success of your Payment Transaction Initiator. For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Banking as a Service (BaaS)

Lawyers specializing in Fintech are crucial to help Banking as a Service (BaaS) companies navigate the legal challenges of the model. BaaS allows Financial Institutions and Fintechs to offer a wide variety of banking services through digital platforms. To do so, there are a number of legal precautions that BaaS companies need to be aware of to ensure compliance, protection, and security.

Among the legal advisory services for Banking as a Service (BaaS), the firm’s specialized Fintech lawyers work on:

  • Drafting of BaaS agreements;
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Payment Institution or Financial Institution that offers Banking as a Service (BaaS).

Our lawyers specializing in Banking as a Service (BaaS) are the essential strategic partners for the success of your Fintech. For more information about the services and plans offered, please get in touch.

 

Lawyers for fintechs specialized in Direct Credit Company (SCD)

Direct Credit Companies (SCDs) are financial institutions that operate in the direct-to-consumer credit modality, granting loans and financing without the need for intermediaries. However, the SCD market presents a series of legal challenges that require specialized monitoring by experienced Fintech lawyers.

SCDs are increasingly active in this segment, driven by digitalization and the demand for more agile and personalized credit solutions. Direct Credit Companies (SCDs) are subject to various norms and regulations from the Central Bank of Brazil (Bacen). Strict compliance with these norms is fundamental to avoid sanctions and fines, as well as to ensure the legal certainty of your Fintech.

Among the legal advisory services for a Direct Credit Company (SCD), the firm’s specialized Fintech lawyers work on:

  • Authorization request with the Central Bank for a Direct Credit Company (SCD);
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Direct Credit Company (SCD).

Our lawyers specializing in fintech are the essential strategic partners for the success of your Direct Credit Company (SCD). For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Peer-to-Peer Lending Company (SEP)

Peer-to-Peer Lending Companies (SEPs) are digital platforms that connect individuals who want to lend and borrow money. However, the SEP market presents a series of legal challenges that require specialized monitoring by experienced Fintech lawyers.

Peer-to-Peer Lending Companies (SEPs) are increasingly active in this segment, driven by the demand for more agile, personalized, and accessible credit solutions. Peer-to-Peer Lending Companies (SEPs) are subject to various norms and regulations from the Central Bank of Brazil (Bacen). Strict compliance with these norms is fundamental to avoid sanctions and fines, as well as to ensure the legal certainty of your Fintech.

Among the legal advisory services for a Peer-to-Peer Lending Company (SEP), the firm’s specialized Fintech lawyers work on:

  • Authorization request with the Central Bank for a Peer-to-Peer Lending Company (SEP);
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for a Peer-to-Peer Lending Company (SEP).

Our lawyers specializing in fintech are the essential strategic partners for the success of your Peer-to-Peer Lending Company (SEP). For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Financial Institution

Fintechs that act as financial institutions operate similarly to traditional institutions, such as banks, credit unions, and brokerage firms. However, Fintechs operating as financial institutions bring more agility, efficiency, and less bureaucracy. Among the innovative financial solutions these Fintechs offer are: digital bank accounts, loans and financing, payments and transfers, investment management, and insurance.

Like traditional financial institutions, these Fintechs are subject to financial and consumer protection regulations. Silva Lopes has lawyers specialized in the financial sector, assisting in the operational adequacy of these companies, with an emphasis on areas such as: Corporate Governance, Compliance, ESG, Corporate Contracts, Corporate Law, Intellectual Property, and Tax Law.

Our lawyers specializing in fintech are the essential strategic partners for the success of your Financial Institution. For more information about the services and plans offered, please get in touch.

 

Legal advice for fintechs specialized in Equity Crowdfunding

Equity Crowdfunding is an investment modality that allows Fintechs to raise and offer financial resources directly from the public through online platforms. However, Equity Crowdfunding is a constantly evolving regulatory market, which presents several legal challenges that require the guidance of lawyers specializing in Fintechs.

Equity Crowdfunding platforms and the companies that raise funds through them are subject to various norms and regulations, such as CVM Instruction No. 476/2010, the Brazilian Corporate Law (LSA), and the rules of the Securities and Exchange Commission of Brazil (CVM). Strict compliance with these norms is fundamental to avoid sanctions and fines, as well as to ensure the legal certainty of the Fintech and its investors.

Among the legal advisory services for Equity Crowdfunding, the firm’s specialized Fintech lawyers work on:

  • Authorization request with the Securities and Exchange Commission of Brazil (CVM);
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Drafting of policies and manuals; and
  • Among other essential legal services for an Equity Crowdfunding platform.

Our lawyers specializing in fintech are the essential strategic partners for the success of your Equity Crowdfunding venture. For more information about the services and plans offered, please get in touch.

 

Legal services offered by our Lawyers for Fintechs

Our lawyers specializing in Fintechs offer comprehensive legal advisory, addressing all the daily needs of a highly regulated Fintech, providing legal services such as:

  • Authorization requests;
  • Compliance;
  • Corporate Governance;
  • Regulatory compliance;
  • Among others.

For further information regarding our services, get in touch:

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