Overview
Andrew Owens is a financial services lawyer with a focus on consumer banking and the retail payment card industry. Andrew's advice is critical to his clients' success, helping them develop financial products and programs and expansion initiatives that achieve business goals while meeting complex regulatory requirements.
Andrew is best known for practical representation on federal and state regulation of consumer credit and banking and payment systems, including the Truth in Lending Act, the Electronic Fund Transfer Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the E-Sign Act, and the Servicemembers Civil Relief Act. Financial institutions and retailers choose Andrew to assist them with establishing billing and payment systems, while payment card issuers and retailers tap into his equally impressive knowledge of banking and consumer financial services law. Andrew's experience also includes advising on joint ventures, executive employment and severance, sales agency, governance and corporate counseling. Additionally, retailers rely on his sophisticated industry knowledge in developing terms and conditions for loyalty programs both in the US and abroad. As an advisor to the retail payment sector, Andrew represents credit card issuers, processors, and other parties in negotiating cobrand, private-label, and agent bank credit card agreements.
- New York
- J.D., Columbia Law School, 2003
- B.A., Yale University, 1999
News & Publications
Client Alerts
California's Unfair Competition Law and Consumers Legal Remedies Act - 2023 Overview
March 25, 2024
By: Julia B. Strickland, Stephen J. Newman, Christopher R. Fredrich, Andrew Owens
Client Alerts
Key Takeaways from the CFPB’s Final Rule Restricting Credit Card Late Fees
March 11, 2024
Publications
CFPB As Pay App Watchdog May Invite More Fintech Regs
January 12, 2024
By: Alan Cohn, Andrew Owens, Coy Garrison, Evan T. Abrams, Sophia Breggia, Vito Arethusa
Client Alerts
Proposed Rule Subjects Digital Payments to CFPB Oversight
November 14, 2023
By: Alan Cohn, Andrew Owens, Coy Garrison, Evan T. Abrams, Sophia Breggia, Vito Arethusa
Publications
California’s Unfair Competition Law and Consumers Legal Remedies Act 2022 Annual Overview
September 19, 2023
By: Julia B. Strickland, Stephen J. Newman, Christopher R. Fredrich, Andrew Owens
Media Mentions
Media Coverage of Steptoe's Expansion of Financial Services, and Insurance and Reinsurance Teams
July 28, 2023
Noteworthy
- Super Lawyers, New York (2013-2014)
Professional Affiliations
- Board of Directors, New York City Anti-Violence Project
- Vice Chair, Payments Subcommittee of the UCC Committee, Business Law Section, American Bar Association
- New York City Bar Association