John Feliciano Acosta

His practice focuses on helping clients manage legal and regulatory risk across the development, launch, and operation of payments enabled products.

John has significant experience counseling on digital wallets, e commerce platforms, AI monetization, partner integrated payment solutions, gift cards, and creator monetization and in game payment products. He regularly works with business, product, and engineering teams on money transmission, consumer protection, card network rules, PCI DSS, AML, UDAAP, and the use of payments data, including in analytics and machine learning applications. He has supported payments risk assessments and global product launches across multiple platforms and jurisdictions.

John also advises clients on data protection and privacy issues affecting financial services and technology companies, including compliance with US and international regimes such as CCPA and GDPR, particularly where privacy considerations intersect with payments data and consumer disclosures.

In addition, John supports clients in regulatory engagements, investigations, and related disputes, including responses to federal and state regulatory inquiries, consumer complaints, subpoenas, and enforcement matters. He has experience with matters involving anti money laundering, antitrust, and corruption issues, as well as complex commercial and financial litigation.