In today’s click-of-a-button society, technology is driving our commerce system. The days of carbon copy receipts and travelers checks have transitioned to iPhone apps and smartphone transactions.  This trend will only progress as future generations discover newer, faster and more convenient methods to buy and sell goods.

The tech-infused business experience, however, produces significant legal issues. Our bloggers examine these challenges and opportunities with a goal to educate our readers and encourage insightful discussions. We are all attorneys at the law firm of Jaffe Raitt Heuer & Weiss, P.C., and members of its Electronic Payments Practice Group.

Thank you for visiting our blog, and we welcome your comments and feedback as we explore the trends, issues and topics that encompass the growing legal field of electronic payments law.


Holli Targan

Holli Targan

Holli is one of the nation’s leading attorneys in electronic payments law. She is Chairperson of the Electronic Payments Group at Jaffe, and is a past President of the Electronic Transactions Association.  She currently serves on the board of directors of the Electronic Transactions Association and of W.net, Women’s Network in Electronic Transactions.   She is a multi-year recipient of the Best Lawyer in America and Michigan Super Lawyer awards.

Holli counsels financial institutions and merchant-acquiring, mobile payments, electronic fund transfer, ATM, money transmitter, stored value card, and cash advance businesses on contractual and compliance matters. As advisor to companies internationally, she guides clients on strategic direction and merger and acquisition transactions, assisting in buying and selling portfolios and companies. She also negotiates independent sales organization, BIN, agent bank and association contracts and advises companies on regulatory issues and on state and Federal laws. She is a frequent author and speaker at industry forums and has received numerous industry awards.

A graduate of James Madison College at Michigan State University, Holli is also a cum laude graduate of Wayne State University Law School, where she served as an editor of the Wayne Law Review.  Contact her at htargan@jaffelaw.com.

 James Kramer

James R. Kramer is an associate at Jaffe. He is a member of the firm’s Electronic Payment Group, Corporate Group and Business Transactions Group. James counsels clients on contractual, regulatory, and compliance matters as well as on purchases, sales, mergers, and acquisitions. He routinely advises and negotiates on behalf of financial institutions and entities in the electronic payments industry.

Prior to joining Jaffe, James served as the General Counsel of a mid-size payment processing company. Before law school he was an auditor for Ernst & Young serving financial services clients, primarily banks and asset management companies.

James graduated cum laude with his Bachelor of Science in Accounting, Bachelor of Science in Business Administration (finance emphasis), and his JD from the University of Southern California. While in law school he was on the staff of the Southern California Review of Law and Social Justice and studied international law at Universita’ Bocconi in Milan, Italy. Contact him at jkramer@jaffelaw.com

Heather Maldegen-Long

Heather Maldegen-Long

Heather is an associate at Jaffe, and is also a member of the Firm’s Real Estate and Financial Services Practice Groups, specializing in real estate transactions, electronic payments, general finance and business law. Prior to joining Jaffe, Heather was a manager at The Beanstalk Group and held various other positions in business and management.

Heather is a magna cum laude graduate of North Carolina State University and a cum laude graduate of Wayne State University Law School. She also earned her Masters of Science in Administration from Central Michigan University.  You may reach her at heamal@jaffelaw.com.

Joel Alam 

Joel Alam

A partner at Jaffe, Joel specializes in public and private placements of equity and debt securities, mergers and acquisitions, entity organizations and general corporate matters. He is also a member of the Firm’s Emerging and Growth Business Practice Group, and is the head of the Corporate and Business Transactions Group. Joel counsels financial institutions and merchant-acquiring and payment system businesses on merger and acquisition matters and represents both buyers and sellers of merchant portfolios and businesses in the credit card processing industry.

Joel earned his Bachelor’s degree from Michigan State University and is a graduate with highest distinction of the DePaul University College of Law, where he served as the editor of the DePaul Law Review.  He can be contacted at jalam@jaffelaw.com.

Eric A. Linden

Eric A. Linden

Eric is a partner with the Firm is a member of the Litigation Practice Group, specializing in electronic payments litigation, telecommunications litigation, environmental law and commercial litigation. Eric is also on the Firm’s Executive Committee.

His practice encompasses a broad range of commercial disputes with a particular emphasis on contract disputes, non-competition agreements, trade secrets, unfair competition, tortious interference and litigation concerning breaches of fiduciary duty.

Eric earned his Bachelor’s degree magna cum laude, phi beta kappa from Brandeis University and is a cum laude graduate of the University of Michigan Law School, where he served as the associate editor of the Michigan Law Review.  You may reach him at elinden@jaffelaw.com.