Rich Zukowsky

Rich Zukowsky is a New York-based attorney who advises financial services and technology companies on regulatory, enforcement, and transactional matters. Drawing on experience in-house at a major financial institution and in private practice, including a secondment with one of the nation's largest fintech companies, Rich provides practical, business-oriented counsel on complex legal and compliance issues.

Rich advises on a broad range of consumer and commercial financial services matters, including advertising, collections, deposits, lending, mortgage, payments, privacy, rewards, and surcharging. He counsels clients throughout product and project lifecycles, from marketing and product development to customer-facing terms and disclosures, regulatory inquiries, transactional due diligence, and audit and compliance reviews. His clients include leading banks and credit unions, global technology companies, high-growth fintechs, and emerging startups.

A significant portion of Rich's practice focuses on credit products. He has conducted program wide audits for major credit card issuers, advised on the development of innovative credit card features and pricing structures, developed third-party advertising controls for lending products, responded to payment network inquiries, and developed a host of related policies and procedures. He also regularly advises on credit card and rewards program agreements and consumer and commercial financing disclosures, as well as state licensing requirements affecting consumer and commercial lending, servicing, brokering, and mortgage activities. In recognition of his experience in this area, Rich previously served on the leadership committee of the American Bar Association's Truth in Lending Subcommittee.

Rich also advises on a wide range of other consumer financial services regulatory issues, including bank-fintech partnerships and related state licensing strategies and compliance with the EFAA, EFTA, FCRA, GLBA, MLA, SCRA, TISA, federal and state UDAAP and UDAP requirements, and Visa, Mastercard, and Nacha operating rules. His practice is grounded in helping to identify pragmatic and actionable solutions that align with these legal requirements and with each client's unique business objectives.