Juliana Gerrick

Partner

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Areas of Work

Financial Innovation & Regulation, Consumer Financial Services, Payments, Financial Services

Overview

Juliana Gerrick is a partner in the Financial Innovation & Regulation group. She bridges legal analysis, strategy development, and practical implementation to help financial services providers navigate rules at the federal, state, and network levels.

Juliana advises banks, fintechs, and other non-bank financial services providers on regulatory, enforcement, transactional, and product-development matters involving financial services, including:

Emerging Financial Technologies
Consumer and Commercial Lending, including Credit Cards
Alternative Financing, Factoring, Merchant Cash Advances
Payments Systems
Bank Partnership And Banking-as-a-Service (Baas) Models
Emerging Regulatory Frameworks Involving AI-Enabled Financial Services
US Entry and Expansion Strategy
Buy Now Pay Later (BNPL) And Earned Wage Access (EWA) Solutions
Consumer Deposit Products, Including Checking And Savings Accounts
Digital Commerce
Consumer Financial Services Regulation

Juliana also assists clients in responding to federal and state regulator inquiries and defending against government enforcement actions, including those involving the Consumer Financial Protection Bureau (CFPB), the California Department of Financial Protection and Innovation (DFPI), and the New Hampshire Banking Department. Juliana has also represented banks and fintechs in transactional matters, such as bank partnership agreements and receivables sales.

Juliana is ranked among the top US lawyers in in Financial Services Regulation Consumer Finance (Compliance) by Chambers USA (2023 – 2026), where she is noted for having “brilliant commercial sense, and an action-oriented mindset.” She also is recognized as a FinTech Rising Star (2023) by the Legal 500 US.

District of Columbia
Pennsylvania
New York

J.D., University of California, Los Angeles School of Law, 2013
B.A., Cornell University, 2007, Classics

Areas of Work

Representative Matters

Advising bank and non-bank financial services providers in connection with designing and developing lending and alternative financing programs, including loans, retail installment sales, solar financing, credit cards, BNPL, EWA, factoring, and merchant cash advances.
Advising consumer and commercial credit card issuers on the regulatory requirements applicable to the industry, including the CARD Act and the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and card network rules.
Advising clients on the state licensing requirements applicable to lenders, brokers, servicers, and other participants in the financial services ecosystem.
Advising clients on the prohibition against unfair, deceptive or abusive acts or practices (UDAP/UDAAP), including enforcement actions brought by the Federal Trade Commission, the Consumer Financial Protection Bureau, and state regulatory authorities.

Speaking Engagements

The Future of Financial Services webinar, co-hosted with HUB International, October 30, 2025
Beyond the Till: Embedded Payments, Crypto, and Retail’s Financial Future, RILA’s 2025 Retail Law Conference, Retail Industry Leaders Association, October 8, 2025
Stablecoins: Transforming the Payments Landscape, ETA Transact Tech, Electronic Transactions Association, October 16, 2025
Court Vacates Durbin Regulation — What’s Next?, Spotlight Call, Electronic Transactions Association, August 14, 2025
How Stablecoins Will Transform Payments and Other Financial Products, Spotlight Call, Electronic Transactions Association, July 23, 2025