Payment Innovation & Regulation, LLC

Payment Innovation & Regulation, LLC is a consulting firm based in Marietta, GA that specializes in providing expert witness and consulting services at the intersection of payments, innovation, and regulation. Led by Richard Fraher, a renowned expert in payments law and regulation, the firm assists clients in identifying and resolving legal, regulatory, and risk issues in the payments industry. With extensive experience in the Federal Reserve and a deep understanding of legacy payment systems, emerging technologies, and regulatory expectations, Payment Innovation & Regulation, LLC offers strategic compliance approaches and practical solutions to help financial organizations navigate the complex landscape of payments.

The firm's expertise spans a wide range of areas, including checks, wires, automated clearinghouse, consumer protection, international payments, fintech regulation, cryptocurrencies, and central bank digital currencies. With a reputation for providing clear and concise analysis, Payment Innovation & Regulation, LLC has been a trusted resource for financial institutions and payments service providers in the United States and abroad. Through their consulting services and expert witness testimony, the firm helps clients mitigate risks, comply with regulatory requirements, and enhance their payments business.

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