A seasoned regulatory and compliance attorney, Carlin brings extensive experience representing financial institutions, fintechs, lenders, payment processors, and virtual currency companies as they innovate and advance their business goals.
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Carlin provides comprehensive compliance advice across a variety of topics, while also developing best practices strategies to help her clients advance their business goals. When clients need to implement new depository, bank-fintech, or other programs, Carlin helps identify relevant federal and state compliance requirements, often leveraging her substantial experience in regulatory compliance audits. Carlin also advises clients on all aspects of payments topics, from money transmission to Nacha Rule compliance. Her work with vendor contracts spans the transaction life cycle, from initial review of the agreement through termination, as well as drafting and reviewing clients' internal compliance policies and procedures.
Carlin's diverse practice includes counseling clients on matters related to the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Bank Secrecy Act (BSA). Her Electronic Fund Transfers Act (EFTA) and implementing, Regulation E, experience includes advising on consumer liability for unauthorized transfers, initial account disclosures, change in terms notices, ATM disclosures, error resolution procedures, and overdraft and nonsufficient funds (NSF) requirements and disclosures.
Carlin regularly contributes to the firm's consumer financial services blog, Consumer Financial Services Law Monitor, and hosts the payments podcast, The Payments Pros, frequently writing and speaking on the latest developments in the financial services industry as well as other relevant issues.
Consumer Financial Services Law Monitor
06.20.24
DOL Issues New Guidance on Prepaid Unemployment Benefits Cards
Consumer Financial Services Law Monitor
06.05.24
Third-Party Risk Management in Bank-Fintech Partnerships: Strategies and Insights
Podcasts
06.05.24
Third-Party Risk Management in Bank-Fintech Partnerships: Strategies and Insights
Troutman Pepper Financial Services
05.20.24
FDIC Finalizes Amendments to Regulations Governing Official Signs, Advertising Requirements, and Misrepresentations Regarding Deposit Insurance Coverage
Speaking Engagements
05.09.24
Smarter Faster Payments 2024 Convention
Consumer Financial Services Law Monitor
05.06.24
California DFPI’s Proposed EWA Legislation Rejected by Office of Administrative Law