Judith Rinearson, a partner in Bryan Cave’s New York Offices, is a recognized authority in the area of prepaid cards, and also has extensive experience as a regulatory lawyer for a wide range of payments, including credit and debit cards, mobile payments, wire transfers, and checks and paper payment products. Ms. Rinearson was Group Counsel responsible for a variety of American Express payment products for more than 18 years, and has hands-on experience in all legal aspects of launching and managing a range of paper, plastic and electronic payment products, including co-branded credit cards, retailer-issued gift cards, network branded reloadable cards, payroll and benefit cards, reward and incentive cards, bill payment services, person-to-person payments, corporate expense cards, internet, mobile and contactless payment products. Her background encompasses federal and state banking and anti-money laundering laws, state money transmitter licensing and abandoned property laws, consumer protection and advertising laws, contracts, technology and intellectual property laws impacting on payments. On the international level, Ms. Rinearson has supervised the launch of a range of payment products in Europe, Asia and Latin America, has met with international regulators and spoken on the issue of payment regulation.
Ms. Rinearson is Regulatory Counsel for the Network Branded Prepaid Card Association and serves as Chair for the Association’s Government Relations Working Group. She also represents the NBPCA at the Bank Secrecy Act Advisory Group (BSAAG) in Washington and also serves as Co-Chair for the BSAAG Stored Value Subcommittee. In March 2008, she was honored with an Industry Achievement Award at the 2008 Prepaid Card Expo for her contributions as a pioneer in the prepaid card industry and her particular influence in the regulation of prepaid cards.
Ms Rinearson has given numerous presentations about prepaid card law and regulations at meetings held by the Federal Reserve Banks of Chicago, New York and Philadelphia, the Electronic Funds Transfer Association, Forum Europe, NACHA, and at annual meetings of the Money Transmitter Regulators Association, the Unclaimed Property Professionals Organization, the Prepaid Expo, and the National Association of Unclaimed Property Administrators. In 2009, among other things, she presented at the Prepaid International Forum outside London regarding US payment laws, gave a presentation to Federal Reserve Board regulators on prepaid card payments, and addressed the Prepaid Card Expo on anti-money laundering issues. In 2010, she spoke at a Forum on Mobile Payments held at the Federal Reserve Board of Governors, presented an overview of the Top Ten legal risks at the Prepaid Expo, and is co-chairing a Workshop on the new CARD Act regulations at the 22nd Annual Card Forum and Expo.