AJ Dhaliwal advises leading financial services and technology companies on the regulations that shape their products, partnerships and growth strategies. A highly regarded advisor, he blends relentless advocacy with practical guidance that advances clients’ goals. He is co-leader of the firm’s Chambers-ranked (2024-2025) Blockchain and Fintech team.
AJ represents banks, fintechs, payments firms, mortgage companies, auto lenders, other nonbank firms and their service providers. He focuses on compliance, examinations, enforcement and strategic transactions, helping clients anticipate regulator priorities, manage risk and deliver scalable innovation. He represents clients in the following areas:
Government Enforcement, Examinations and Investigations
In addition to guiding financial institutions through CFPB, FTC and prudential bank regulatory examinations and enforcement matters, AJ advises on multi-agency investigations with state regulators, attorneys general and other federal agencies.
Regulatory Compliance
AJ navigates clients through the intricacies of compliance with federal and state consumer protection laws and regulations related to licensing, usury, advertising, disclosures, privacy, lending and servicing practices, and laws prohibiting UDAP/UDAAPS.
Fintech Innovation
With deep understanding of the operational implications and compliance issues related to third-party risk management, AJ assists established and emerging fintechs through the regulatory hurdles of product development, strategic bank partnerships and electronic payments.
Payments
AJ advises payment companies on licensing, compliance, examinations and enforcement, helping them structure products, navigate money transmission and network rules, manage regulatory change and scale innovative payment models across jurisdictions with confidence and speed.
Transactions
From negotiating joint ventures to supporting product development, AJ offers strategic counsel on commercial relationships. He also partners with acquirers to address regulatory concerns, conducting due diligence and structuring transactions that align with state and federal licensing and regulatory requirements.
Licensing
AJ advises lenders, fintechs, and payment providers on licensing strategy, exemptions, approvals and regulatory maintenance, guiding nationwide operations through application, examination, reporting and change-of-control requirements to maintain compliant growth across diverse state and federal regimes.