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John J. Feliciano-Acosta Associate

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Charlotte T +1 704 353 6236 F fax +1 704 444 8898
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John advises firm clients on complex consumer financial services issues and risk management as well as state and federal financial regulatory engagement, investigations, and enforcement.

John counsels banks, fintech companies, broker-dealers, investment companies and advisers on a variety of issues related to the Gramm-Leach-Bliley Act, Bank Secrecy Act, Electronic Fund Transfer Act (Regulation E), Truth in Lending Act (Regulation Z), PCI-DSS, card network rules, unfair, deceptive, or abusive acts or practices (UDAAP), money transmission, and data privacy, among others.

John was seconded to a global Fortune 50, where he served as product counsel for multiple payment and e-commerce products. He advised product management, engineering, and design teams on payments and data privacy issues, contributing to the global launch of innovative products and features.

As a native Spanish speaker, he regularly advises financial institutions on regulatory and enforcement trends affecting Limited English Proficiency consumers in the United States and supports matters involving clients with presence in Latin America. John’s experience in this space includes conducting anti-money laundering, antitrust and corruption audits for clients throughout Latin America.

John regularly assists financial institution clients on how to handle subpoenas, complex creditor attachments, and grand jury investigations while complying with a variety of complex state and federal laws and regulations. He also has experience in all phases of complex litigation, including drafting and arguing dispositive motions, taking and defending depositions, managing discovery, trial preparation, and appeals.

Experience

  • Led payments risk analyses for the global launch of payment and monetization products in virtual reality video games.
  • Advised global Fortune 50 on integration of passkey technology to payment product offerings.
  • Advised global Fortune 50 on payment credential acquisition in connection with its digital wallet offering.
  • Counseled global Fortune 50 in the development of partner-integrated e-commerce solutions.
  • Counseled client on the global expansion of its digital wallet across multiple platforms and surfaces.
  • Led legal effort to overhaul disclosures regarding data collection, storage, and use with respect to digital wallet.
  • Provided regulatory advice to consumer protection compliance teams throughout the build of compliance management programs.
  • Led day-to-day operations of Spanish legal review for a global financial services firm and banking institution.
  • Conducted antitrust, AML, and anti-corruption audits of multinational company’s locations throughout Latin America.
  • Defended a leading financial institution in a state court action filed by a competing creditor asserting priority under the Uniform Commercial Code over collateral brokerage accounts.
  • Represented broker-dealer and other financial institutions in complex probate and non-probate disputes over ownership of brokerage and bank accounts in multiple states.
  • Represented immigrant plaintiff seeking custody of child and Special Immigrant Juvenile Status for such child.
  • Represented a major power company in the pursuit of hundreds of millions of dollars for losses sustained in 2017 during Hurricane Maria under property / business interruption policies issued by European-, London-, and U.S.-based insurers.

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