I.
Licensing & chartering
Money-transmitter licenses, state banking charters, EMI/PI authorisations and broker-dealer registration — sequenced against your product roadmap, not the other way around.
Meridian Regulatory Advisory — fintech regulatory counsel
Regulatory & compliance advisory for fintech
Regulatory clarity for companies moving fast in regulated markets.
Meridian pairs former regulators with fintech operators to secure licenses, build compliance programs that survive examination, and resolve enforcement actions — on predictable, fixed fees.
- Ledgerly
- PayNorth
- Kestrel Bank
- Loop Credit
- Ferrous Capital
- Alderpay
$4.2B
in client transactions cleared through licensing we secured
2023–2026
120+
licenses & charters obtained across 41 US states and 6 EU jurisdictions
cumulative
17 yrs
median partner experience inside regulatory agencies
before joining Meridian
0
enforcement escalations against clients completing our remediation programs
last five years
Practices
Four disciplines. One standard of proof.
II.
Compliance program design
BSA/AML programs, EU AMLD alignment and consumer-compliance frameworks built to pass examination — staffed or handed off to your team with runbooks.
III.
Enforcement & remediation
When regulators come calling, we take the calls. Quiet resolution of consent orders, MRAs and 1041 filings, with board-ready reporting at every step.
IV.
Cross-border expansion
Passporting into the EU via Ireland or Lithuania, APAC market entry through Singapore and Australia, and the interplay with your US obligations.
Representative results
Outcomes we can describe. Clients we won't name.
14 state MTLLs in nine months for a payments scale-up
Sequenced filings around two product launches; coordinated with three sponsor banks. Client raised its Series C mid-engagement without a single compliance condition.
- Licensing
- US multi-state
Consent order closed 11 months early
Rebuilt a BSA program under an active MRA, negotiated reduced look-back scope, and passed the follow-up examination with no findings.
- Enforcement
- BSA/AML
EU passport in five months via Irish EMI
Led authorisation file, hired and trained the nominated officers, and mapped GDPR obligations onto existing US privacy architecture.
- Cross-border
- EU
Case studies are composites drawn from recent engagements; identifying details are withheld under confidentiality terms.
Leadership
The people who will actually sit across from your regulator.
Eleanor Hart, Managing Partner
Former Deputy Superintendent, NY Banking Dept. · 22 years in prudential supervision.
Marcus Feld, Partner — Enforcement
Former SEC Senior Counsel · Led 40+ investigations across payments and digital assets.
Dr. Ines Kovač, Partner — EU Practice
Former BaFin authorisation lead · Architect of two landmark EMI licence files.
Schedule a consultation
A 30-minute call that ends with a written scope — or an honest “you don't need us yet.”
Bring your timeline and your scariest regulatory question. A partner joins every first call — never an associate, never a salesperson.
Call+1 (202) 555-0148Emailcounsel@meridianadvisory.com
Response within one business day. Privileged discussions handled under NDA on request.