About

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.

Bloggers:

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.

Nicole M. Meisner 

Nicole M. Meisner is an associate at Jaffe. She is a member of the firm’s Electronic Payment Group.  She counsels a wide range of financial institutions and financial services companies including merchant-acquiring companies, mobile payment providers, financial technology (FinTech) companies, money transmitters, prepaid access providers, and digital currency companies. Nicole advises these businesses regarding the structure of their flow-of-funds, strategic business relationships, impacts of state and federal regulations and industry rules, as well as contractual matters. Particularly, Nicole negotiates a variety of commercial agreements in the financial services/payments industry including: agency, sponsorship, and licensing agreements, contracts for independent sales organizations (ISO), BIN sponsorship, and agent bank and association contracts.

Nicole obtained her law degree from Nova Southeastern University. She has also been certified as a Financial Crime Specialist through the Association of Certified of Financial Crime Specialists and obtained a Masters of Business Administration for Financial Services Professionals. She is also heavily involved in a number of industry related organizations, including the Money Services Business Association (MSBA), the Electronic Transactions Association (ETA), and the Association of Certified Financial Criminal Specialists (ACFCS).  Most recently, Nicole was selected as a member of ETA’s 2018 Young Payments Professional Scholars. Contact her at nmeisner@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.