Lindsay helps clients structure their products and programs to comply with financial regulations, offering creative solutions to legal problems and developing compliance plans.

Overview

Lindsay advises banking and financial services clients on various financial regulatory matters that affect their businesses. She analyzes legal issues and helps clients structure their FinTech, payments and banking products and platforms in compliance with state and federal law.

Lindsay provides legal counsel on payments-related issues involving card and ACH payments, payment plans, emerging payment arrangements, and treasury management services. In addition to her regulatory and payments experience, Lindsay's work includes drafting consumer-facing terms and conditions, legally required consumer disclosures, treasury management agreements, and business-to-business financial services contracts.

Experience

Focused on consumer financial law, Lindsay has significant knowledge of surcharge restrictions under state law and card network rules, state and federal law affecting installment payment plans, and the CFPB's Prepaid Accounts Rule.

Lindsay has experience with bank and bank holding company transactions, including the negotiation, drafting, and regulatory filing processes.

She belongs to the firm's CFPB Response Team, a cross-disciplinary group with deep experience in banking, CFPB compliance, arbitration and class action litigation.

Committed to her profession, Lindsay frequently speaks and writes for industry and professional organizations.

News & Insights

Speaking Engagements

"Vendor Contracts and Technology," Emerging Trends in the Banking Industry, September 2019

Instructor, Bank Regulatory Topics, ICBA Compliance Institute, Minneapolis, MN, June 2019

Instructor, Bank Regulatory Topics, ICBA Compliance Institute, Dallas, TX, February 2019

"Federal Preemption for Farm Credit Institutions," Farm Credit System Attorneys Conference, Minneapolis, Minnesota, September 2018

"Regulatory Update" at Heartland Credit Union Compliance Workshop, St. Louis, Missouri, April 2018

"Regulatory Update" at Heartland Credit Union Compliance Workshop, Wichita, Kansas, April 2018

"The CFPB: 5th Anniversary Update" at KBA Hot Topics in Business Law CLE, Kansas City, Missouri, November 2016

"2016 Affirmative Action Requirements for Banks and Financial Institutions" Seminar, Kansas City, Missouri, January 2016

Publications

"Outsourcing the Service, Not the Oversight," Bank Director, July 2019

"White Paper: Federal Preemption for Farm Credit Institutions,"  Stinson LLP, September 2018

"Existential Battles Continue for CFPB," Clarks' Bank Deposits and Payments Monthly, June 2018

"Proposed Amendments to Reg. J Would Prevent Collection of Electronically-Created Items through Reserve Banks," Clarks' Bank Deposits and Payments Monthly, March 2018

"CFPB Issues Final Rule Banning Class Action Waivers in Arbitration Agreements," Clarks' Bank Deposits and Payments Monthly, July 2017

"Bank/Tech Contract Concerns Issued by FDIC IG," Stinson LLP, February 2017.

"CFPB Proposal to Allow More Class Action Lawsuits Against Banks," Stinson LLP, May 2016

"Financial Regulators Explain Their Expectations for Deposit Reconciliation," Stinson LLP, May 2016

"CFPB Too Powerful: Federal Court Finds the Agency's Structure is Unconstitutional," Stinson LLP, October 2016

"Regulation CC Amended to Account for Electronic Check Collection," Stinson LLP, June 2017

"Executive Orders Subject Banks to New Requirements as Federal Contractors," Stinson LLP, November 2015

"Ban on Novel Payment Methods in Telemarketing Disfavored by Banks," Stinson LLP, November 2015

Admissions

  • Missouri, 2015
  • Kansas, 2016

Education

Saint Louis University School of Law, J.D., magna cum laude, 2015

  • Saint Louis University Law Journal, staff member

Drury University, B.A., Business Administration, summa cum laude, 2012

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