Practice Area

Financial Regulatory

Commercial agreements, partner and platform terms, and regulatory-aware contracts for payments, lending, and financial products and more, all drafted and redlined to BigLaw standard. We provide these at a flat fee, turned around in hours instead of weeks.

Book a free consultation Get Started

§ 01 — Overview

Your contracts shouldn't slow down your business

Stalled contracts can hold businesses up for weeks. We move at lightning speed: send the contract over Slack, email, or the portal, get a flat-fee quote, and have a marked-up draft back within hours.

Our team has worked on hundreds of commercial contracts for companies of all sizes. They pair their expert judgment with AI that reads every clause so the review you get is faster and higher quality.

§ 02 — What We Handle

Contracts we handle for you

Payments & Processor Terms

Agreements with banks, processors, and program managers.

Data & Privacy for Fintech

DPAs and privacy terms tuned to sensitive financial data.

Vendor & Service Contracts

Oversight and risk terms aligned to regulatory expectations.

Commercial & Platform Agreements

MSAs and partner terms for fintech products.

Regulatory-Aware Drafting

Contracts structured around the framework you operate under.

Misc / Other

Have a contract that doesn't fit a category above? Send it over and we'll scope it.

§ 03 — Your Team

Meet the attorneys who lead this practice area

Stephen Ratner

Sr. Counsel and Forward-Deployed Attorney

Stephen Ratner is a commercial, privacy, and product attorney who advises AI and SaaS companies on enterprise contracting, data use, technology transactions, and operational legal strategy. He has served as in-house counsel at leading AI-video SaaS and adtech companies, where he negotiated complex commercial and data agreements and partnered with product and technical teams on generative-AI, model-training, and privacy issues. Stephen also has product-management experience building legal-technology tools and AI-agent workflows, and previously practiced emerging-companies and venture-fund law at Gunderson Dettmer. Before law school, he served as Deputy Press Secretary to the Attorney General at the U.S. Department of Justice and interned at the White House.

Joy Fuller

Senior Counsel

Joy focuses her practice on complex commercial transactions, including licensing, distribution, and other strategic agreements across software, payments, financial technology, and AI companies. Admitted in New York and Texas, she received her J.D. from Howard University School of Law and her B.S. from the University of Southern California.

Jess Hutto-Schultz

Senior Counsel, Fintech & Commercial

Jess is Senior Counsel at General Legal and focuses her practice on financial services, commercial transactions, and healthcare. She previously practiced at Cooley, where she represented commercial and fintech companies of all stages, and in-house at a medtech and payments company. Before law, Jess spent over a decade in tech, giving her a practical understanding of the products and systems her clients build.

Shanita Nicholas

Senior Counsel

Shanita is a Senior Counsel at General Legal. Admitted in California and New York, she holds a JD/MBA from Columbia Law and Business Schools and brings over a decade of corporate experience at Simpson Thacher & Bartlett, Kirkland & Ellis, and Booz Allen Hamilton across M&A, emerging growth companies, and government IT consulting.

Liz Paisner

Managing Partner

Liz is a Managing Partner at General Legal. She received her J.D. from Harvard Law School and her undergrad from Harvard College and practiced technology transactions at Cooley LLP, where she represented startups on a range of commercial contracts.

Ready to get started?

15 minutes, no commitment. We'll scope the work, quote a flat fee, and spin up your Slack channel the same day.

Book a free consultation →