Aaron P. Kouhoupt

Aaron Kouhoupt has held a range of legal and compliance roles within banks and FinTech companies, providing him with direct experience in the operational and regulatory issues faced by financial services clients. His work includes applying existing legal frameworks to new financial products, building and operating bank compliance programs, and assisting foreign companies with launching U.S. banking and consumer finance products. His practice focuses on helping clients address legal requirements while taking business objectives into account. He regularly advises FinTech clients on regulatory compliance in the context of innovative products and services.

Aaron has more than 20 years of experience as both in-house and outside counsel to banks, FinTechs, and other financial institutions of varying sizes and structures. He represents marketplace lenders and other FinTech companies, as well as community, regional, and national banks, small loan companies, mortgage lenders and servicers, money transmitters, and payments processors.

He advises clients on regulatory compliance matters involving consumer loan documentation, e-commerce, underwriting, and advertising. A significant portion of his practice involves counseling both bank and non-bank participants in bank partnership arrangements. Aaron also advises on traditional banking and consumer finance matters, including issues arising under the Bank Secrecy Act (BSA), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA), as well as on privacy, bankruptcy, and enterprise risk management.

Aaron has worked extensively with regulatory regimes applicable to emerging financial products. He previously served as Head of Legal at an alternative banking and digital payments company and held in-house roles at a peer-to-peer lending and alternative investing company. He also advises European companies seeking to launch consumer finance products in the United States.

Aaron has published articles and presented continuing legal education programs on a range of financial services and regulatory topics. He has also served as an Adjunct Professor at the University of Maine at Presque Isle, where he taught Business Law, Constitutional Law, and American Government.