Andrew Owens is a financial services lawyer with a focus on the retail payment card industry. Andrew’s advice is critical to his clients’ success, helping them develop financial programs and expansion initiatives that achieve business goals while meeting complex regulatory requirements.
Andrew is best known for practical representation on federal and state regulation of consumer credit, including the Truth in Lending Act, the Electronic Fund Transfer Act, the Fair Credit Reporting act, the Equal Credit Opportunity Act, E-Sign, and the Service members Civil Relief Act. Andrew’s experience also includes advising on joint ventures, executive employment and severance, sales agency, governance and corporate counseling. Additionally, retailers rely on his sophisticated industry knowledge in developing terms and conditions for loyalty programs both in the U.S. and abroad. As an advisor to the retail payment sector, Andrew represents credit card issuers, processors, and other parties in negotiating cobrand, private-label and agent bank credit card agreements. Financial institutions and retailers choose Andrew to assist them with establishing billing and payment systems while payment card issuers and retailers tap into his equally impressive knowledge of banking and consumer financial services law.
Prior to joining Stroock’s Financial Services Litigation, Regulation and Enforcement group, Andrew was a partner in the Financial Services group of an AmLaw 100 firm providing regulatory advice on a range of credit card and payments matters.
J.D., Columbia Law School, 2003
B.A., Yale University, 1999
Andrew Owens is a financial services lawyer with a focus on the retail payment card industry. Andrew’s advice is critical to his clients’ success, helping them develop financial programs and expansion initiatives that achieve business goals while meeting complex regulatory requirements.
Andrew is best known for practical representation on federal and state regulation of consumer credit, including the Truth in Lending Act, the Electronic Fund Transfer Act, the Fair Credit Reporting act, the Equal Credit Opportunity Act, E-Sign, and the Service members Civil Relief Act. Andrew’s experience also includes advising on joint ventures, executive employment and severance, sales agency, governance and corporate counseling. Additionally, retailers rely on his sophisticated industry knowledge in developing terms and conditions for loyalty programs both in the U.S. and abroad. As an advisor to the retail payment sector, Andrew represents credit card issuers, processors, and other parties in negotiating cobrand, private-label and agent bank credit card agreements. Financial institutions and retailers choose Andrew to assist them with establishing billing and payment systems while payment card issuers and retailers tap into his equally impressive knowledge of banking and consumer financial services law.
Prior to joining Stroock’s Financial Services Litigation, Regulation and Enforcement group, Andrew was a partner in the Financial Services group of an AmLaw 100 firm providing regulatory advice on a range of credit card and payments matters.
J.D., Columbia Law School, 2003
B.A., Yale University, 1999
