Legal Services:

Jeff provides the following three broad categories of legal services:


Jeff structures, drafts and negotiates complex commercial and technology agreements. Examples include:

  • BIN licenses and sponsorship agreements
  • Branding agreements
  • Co-branded card agreements
  • Digital wallet agreements
  • Incentive agreements
  • Joint venture agreements
  • Letters of intent and term sheets
  • Merchant agreements
  • Operating regulations
  • Outsourcing agreements
  • Portfolio acquisition agreements
  • Services agreements
  • Statements of work
  • Vendor agreements

Jeff also offers assistance interpreting and complying with existing contractual arrangements.

Regulatory Issues

Jeff has considerable experience with the regulations governing the payment card industry including the Bank Act, the Cost of Borrowing Regulations, the Credit Business Practices Regulations and the Code of Conduct for the Credit and Debit Card Industry in Canada. He has also assisted clients in understanding and complying with the rules of the major payment card networks.

Customer Issues

Jeff has advised on a variety of customer-related issues, including the following:

  • Cardholder agreements
  • Complaints responses
  • Customer communications
  • Disclosures
  • Fees and pricing issues
  • Marketing and advertising issues
  • Migrating customers to new products
  • New product introductions
  • Product wind-downs
  • Refunds and compensation issues
  • Scripting for customer service representatives