Schwartz & Ballen LLP is renowned for the significant contributions it has made to crafting the legal framework for e-commerce generally, and for its representation of financial services clients engaged in e-commerce in particular. We represent major financial institutions, governmental entities, technology companies, multi-bank organizations, credit card and other payment card companies, academic institutions and public transit systems in the development and implementation of their e-commerce products and services, including home and mobile banking, stored value and smart card products. We also advise on emerging e-commerce systems and laws relating to electronic signatures, certificate authorities, customer authentication and data privacy. We consult with clients at every stage of development of their e-commerce products and services, from structuring data sharing and outsourcing agreements to drafting customer agreements and disclosures.
Schwartz & Ballen LLP has been and continues to be involved with the drafting and implementation of e-commerce laws at both the federal and state levels. For example, for a multi-bank organization, we developed and maintain the private-sector rules implementing the landmark Check Clearing for the 21st Century Act (Check 21), which promotes check electronification nationwide. Additionally, we counsel our clients on the state Uniform Electronic Transactions Act (UETA) and the federal E-SIGN Act, as well as e-commerce provisions of the banking laws, such as the Electronic Fund Transfer Act, Truth-in-Lending Act and Truth-in-Savings Act.