Practice Areas
The System Was Built to Protect You.
We Make Sure It Does.
Fintech companies and BaaS providers have learned to exploit the very regulations designed to protect consumers. We know every angle they use — and how to shut it down.
BaaS Platform Abuse
Banking-as-a-Service companies operate in the gaps between banks and consumers — and they exploit those gaps.
BaaS providers act as middleware between chartered banks and fintech apps. When something goes wrong — and it does — they point fingers at each other while your money disappears. We hold both accountable.
Common Issues We See
Our Approach
Demand letters, CFPB complaints, and litigation against both the BaaS platform and the underlying sponsor bank.
Patriot Act & AML Weaponization
Anti-money laundering laws exist to stop criminals. Not to steal from ordinary consumers.
Institutions invoke the Bank Secrecy Act, Patriot Act, and AML compliance as blanket justifications for freezing accounts and seizing funds — often with no suspicious activity whatsoever. If they had implemented proper compliance from the start, these situations would never have escalated.
Common Issues We See
Our Approach
Regulatory complaints to FinCEN, OCC, and FDIC. Demand letters citing specific BSA/AML compliance failures. Litigation where warranted.
Account Freezes & Fund Seizures
Your money is yours. No institution has the right to hold it indefinitely without cause.
Fintech apps and neobanks freeze accounts and hold consumer funds for weeks, months, or permanently — citing compliance reviews that never conclude. This is not compliance. It is theft by bureaucracy.
Common Issues We See
Our Approach
Immediate demand letters, state banking regulator complaints, and CFPB filings. Most cases resolve within 30–60 days of our first contact.
Regulatory Overreach & Misuse
KYC, BSA, OFAC — these frameworks protect consumers. When institutions misuse them, we push back.
Compliance frameworks are not blank checks. Institutions that use regulatory language to avoid accountability — while failing to actually comply with the regulations they cite — face serious legal exposure. We know the regulations better than they do.
Common Issues We See
Our Approach
Targeted regulatory complaints, demand letters citing specific violations, and litigation for damages including actual losses and statutory penalties.
Fintech Consumer Fraud & Deception
Misleading terms, hidden fees, and deceptive practices that violate federal consumer protection law.
Many fintech companies make promises at signup they have no intention of keeping — FDIC insurance representations, fee disclosures, and account terms that don't match reality. The FTC Act and UDAAP provisions exist precisely for this.
Common Issues We See
Our Approach
CFPB and FTC complaints, state AG referrals, and civil litigation for restitution and statutory damages.
How We Handle Every Case
Free Case Evaluation
Tell us what happened. We review your situation at no cost and give you a direct, honest assessment of your options.
Demand Letters First
95% of our cases resolve without court. We start with precisely targeted demand letters that institutions take seriously.
Regulatory Filings
We file with the CFPB, OCC, FDIC, FinCEN, and state regulators — creating a documented record that cannot be ignored.
Litigation if Necessary
When institutions refuse to act, we take them to court. We have never lost a case that went to trial.
Recognize Your Situation?
If any of these practices sound familiar, tell us your case. We'll review it free, advise you honestly, and if we take it — we go to work at no upfront cost.