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</script> <div class="relatedlinks"> <div class="content"> <ul class="servicesRelInfo"> <li class="operation_"><a href="https://web.archive.org/web/20150413094015/http://www.alston.com/services/industries/financial-services-products/payment-systems/" class="active">Overview</a></li> <li class="operation_professionals"><a href="https://web.archive.org/web/20150413094015/http://www.alston.com/services/industries/financial-services-products/payment-systems/?section=professionals" class="">Professionals</a></li> <li class="operation_experience"><a href="https://web.archive.org/web/20150413094015/http://www.alston.com/services/industries/financial-services-products/payment-systems/?section=experience" class="">Experience</a></li> </ul> </div> </div> <div class="service_relations_consumer"> <div class="relinfo active op_"> <script> jQuery(document).ready(function(){ $("#serviceOverviewViewAll").viewMore($("#serviceOverviewViewAllContent")); }); </script> <div class="content"> <p><p><strong>Counsel to the Payments Industry <br></strong>The Payments Group at Alston & Bird—consisting of over 20 attorneys—is a leading legal resource for the payments industry, with advisors based in the United States and Europe working on engagements worldwide. Our attorneys have varied, global experience in all sectors of the payments industry, including merchant acquiring, card issuing, mobile payments, ecommerce, card schemes and payment networks, stored value, gift cards, payroll cards and other prepaid products, health care payments, B2B payments, and other traditional and emerging payment systems. </p> <p><strong>Depth and Breadth with a Global Reach <br></strong>We have represented clients throughout the world, with extensive experience in North America, Europe, Latin America and Asia. Our deep industry knowledge and transatlantic footprint, coupled with Alston & Bird’s 800 attorneys and full-service legal capabilities, enable us to offer comprehensive, “best-in-class” counsel to the payments industry. We believe the depth, diversity and sophistication of our experience across the entire spectrum of payments activities is unmatched by any law firm worldwide. <br><br><em>“The firm’s payments clients conduct business globally and our Payments Group, with hubs in both Brussels and Atlanta, allows us to provide seamless, responsive coverage. With Brussels having a six-hour or less time zone difference with Mumbai, Sao Paulo, London, Toronto, and New York—all, incidentally, places where our Payments Group has recently worked on matters—the capital of the EU is an ideal complement to Atlanta in serving and supporting our payments clients across multiple geographies.”</em> </p> <p>—Richard Hays, Managing Partner, Alston & Bird </p></p> </div> <div class="expandcollapse readmore"> <ul class=""> <li class="firstrow collapsed"> <div class="content" id="serviceOverviewViewAllContent"> <p><strong>Experience</strong></p> <p><em>Who We Serve<br></em>We provide legal counsel to our clients across multiple jurisdictions and across all sectors of the payments industry. <br><br>Our clients include: </p> <ul> <li>Payment Networks and Card Associations  <li>Global, Regional, and Community Banks  <li>Card Issuers  <li>Merchant Acquirers  <li>Third Party Processors  <li>PSPs, ISOs, MSPs and VARs  <li>Alternative Payment and Funding Innovators  <li>Global Retailers  <li>Mobile Payment Participants, including Handset Manufacturers and Network Operators  <li>Prepaid, Loyalty and Rewards Program Managers  <li>POS Equipment Manufacturers  <li>Financial Technology Innovators  <li>Payments Associations and Clearing Houses </li></ul> <p> </p> <p><img src="https://web.archive.org/web/20150413094015im_/http://www.alston.com/files/Uploads/Images/One-Off-Pages/Card-Smart/map.jpg"></p> <p><strong></strong> </p> <p><strong>Partnering in the Payments Industry </strong></p> <p>In addition to bringing our legal expertise to our engagements, we also work and partner frequently with the world’s leading payments consultants in providing an integrated professional services offering in areas such as: </p> <ul> <li>Mobile payment strategies  <li>Market opportunity assessments  <li>New product, service and market viability studies  <li>Operational and systems audits and reviews  <li>Business and product strategy, execution and implementation  <li>Acquisition and new business integration </li></ul> <p> <br>We partner frequently as well with private equity and venture capital firms in assessing global opportunities, conducting due diligence, and both acquiring and divesting portfolio companies in the payments space.</p> <p><strong></strong> </p> <p><strong>Bringing Value to Our Clients</strong></p> <p><em>World Class Team <br></em>To provide the scope and quality of services our clients expect, our multidisciplinary Payments Group is comprised of exceptional, nationally and internationally recognized practitioners who are drawn from all of the firm’s subject matter specialties and across all of our offices. In many instances, these lawyers have worked in, if not dedicated their practices to, the particular and varied needs of the payments industry for over 20 years and are trusted, sought-after advisors to some of the industry’s most recognized global leaders. </p> <p>As a representative cross-section of the firm’s Payments Group, below are profiles of 12 different team members: </p> <ul> <li>A Brussels-based lawyer who has worked with leading payment industry companies for nearly 20 years and has led dozens of acquisitions and strategic alliances across Europe, Latin America, North America and Asia, with particular expertise and experience in cross-border joint ventures. <li>The United States’ leading authority on retail and wholesale payment systems, products and services related to card-based products, and ACH and check-based products — a trusted advisor to one of the world’s largest card networks and the United States’ oldest and most innovative payments association and processor. <li>A U.K.-qualified solicitor who previously acted as in-house counsel onsite in Dublin, Ireland for a leading international payments company during its most acquisitive period focused on European expansion, and who later helped lead from Brussels a pan- European payments related reorganization and expansion of a U.S.-based bank. <li>A lawyer who has represented financial services companies in their entry into new markets in Europe and the Americas, who spent two years based in Brussels leading an international expan¬sion in corporate payment systems for a leading financial institu¬tion, and who recently led PSD registration efforts for a leading B2B joint venture 50 percent owned by the world’s best known payment network. <li>A lawyer with more than 14 years of operational experience as a business person at a leading retailer of financial services (including payday loans, consumer loans, check cashing, bill payment and prepaid debit card services), who now applies both her business experience and legal expertise on behalf of payments clients, with a particular focus on electronic payment systems and products, including credit and debit cards, stored value/prepaid card products and health benefit cards. <li>A former official of the Federal Reserve Bank of Atlanta, who served various roles over the course of a 15-year tenure, including as the responsible officer for the banking applications and enforcement functions, as well as the founding director of the Retail Payments Risk Forum, where he worked to identify, understand and mitigate emerging risks in retail payments systems. <li>A multidisciplinary commercial lawyer fluent in Mandarin Chinese who recently assisted one of the world’s leading merchant acquirers in its strategic, global relationship with China’s best known payments company. <li>A former editor-in-chief of the Electronic Banking Law and Commerce Report (1999 to 2008) with over 25 years of experience who, in 1994, represented a leading bank in its pre-IPO equity investment in what has become one of the world’s leading payment companies. <li>A lawyer who has spent two years working onsite as an in-house resource for a leading provider of innovative paycard solutions, including prepaid and general purpose reload cards, and who currently serves in a similar role with one of the world’s leading providers of payment solutions and POS devices. <li>A pioneer in health care payments and health care benefit cards and their intersection with the consumer-directed health care arena and HIPAA privacy, who has worked closely with private industry as well as U.S. government institutions in advising upon tax-favored health reimbursement arrangements (HRAs) and health savings accounts (HSAs). <li>A leader in counseling banks, payment services companies and their service suppliers regarding privacy and security compliance, with a particular expertise in leading multidisciplinary teams in privacy, security and data breach/network intrusion response. <li>The leading United States expert in advising clients regarding unclaimed property, tax, consumer protection and other regulatory issues related to gift cards, loyalty/awards/incentive programs, discount voucher programs, virtual gift cards and other stored value/prepaid access products. </li></ul> </div> <div class="name"><a href="javascript:void(0);" class="viewall" id="serviceOverviewViewAll"><span class="expandAll">+ Read More</span><span class="collapseAll">- Show Less</span></a></div> </li> </ul> </div> <style> .relinfo {display:none;} </style> <script type="text/javascript"> $(document).ready(function() { $("#relInfoAccordionUL").relInfoExpander(); $("#expandCollapseAll").relInfoExpandAll($("#relInfoAccordionUL")); $(".relinfo").show(); }); </script> <div class="relinfo active op_"> <div class="listing generallisting expandcollapse"> <div class="expandcollapse" id="expandCollapseAll"><span class="ExpandAll"><a href="javascript:void(0);" class="expandAll">Expand All</a></span><span class="CollapseAll"><a href="javascript:void(0);" class="collapseAll">Collapse All</a></span></div> <div class="level1" id="relInfoAccordionUL"> <div class="accordionLi general firstrow collapsed"> <div class="name relInfoAnchorName"><h3><a href="javascript:void(0);" class="relInfoAnchor">Experience Highlights</a></h3></div> <div class="content relInfoDiv relInforExp"> <p>Recent representative engagements demonstrating the depth and breadth of our experience in the payments industry include:</p> <p><strong>Merchant Acquiring </strong></p> <ul> <li>Representing a global payment network in structuring its third party merchant-acquiring platform and in negotiating merchant-acquiring alliances with the major payment card acquirers. </li> <li>Assisting a leading financial institution in connection with negotiating a long-term joint venture and strategic alliance with the world’s largest payment processor. </li> <li>Advising a large and growing ISO in connection with its acquisition of a payment gateway and related Card Scheme compliance matters. </li></ul> <div class="viewall"><a href="https://web.archive.org/web/20150413094015/http://www.alston.com/services/industries/financial-services-products/payment-systems/?section=experience">View All</a></div> <div class="clear"></div> </div> </div> <div class="accordionLi general collapsed"> <div class="name relInfoAnchorName"><h3><a href="javascript:void(0);" class="relInfoAnchor">Publications</a></h3></div> <div class="content relInfoDiv relInforPublications"> <ul class="accordionlist"> <li> <div class="titlegroup"> <div class="title"> <a href="/web/20150413094015/http://www.alston.com/Files/Publication/d8b50892-1ad6-4a3b-bea9-c2e18b23bfb2/Presentation/PublicationAttachment/1e62f973-d97a-4a2b-a13a-059a383d2a60/TCH-Journal%20Vol%202-3%20p30-38%20Douglass%20-%20Giles.pdf"> "Regulating Bitcoin: Practical Approaches for Virtual Currencies," <i>Banking Perspective</i>, the quarterly journal of <i> The Clearing House</i>, October 1, 2014. </a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="type">Publications</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.bankdirector.com/index.php/issues/regulation/regulatory-concerns-about-bank-culture-should-serve-as-a-wake-up/"> “Regulatory Concerns about Bank Culture Should Serve as a Wake-Up Call,” <i>BankDirector.com</i>, February 4, 2015. </a> </div> <div class="subtitle"></div> </div> <div class="abstract">The culture inside a bank has received renewed discussion in various forums over the course of the last year. The regulators are now moving from crisis and reaction to root cause analysis of the financial crisis.</div> <div class="date"> February 4, 2015 </div> <div class="type">Publications</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/interchange-fee-limitation/"> <i>Payment Systems Advisory:</i> Merchants Seek Supreme Court Review of Federal Reserve Board Regulation II’s Interchange-Fee Limitation </a> </div> <div class="subtitle"></div> </div> <div class="abstract">Alston & Bird’s Payment Systems Group reviews a petition for writ of certiorari filed by a group of trade associations and individual merchants seeking the U.S. Supreme Court’s review of the decision by the D.C. Circuit Court of Appeals in <em>NACS v. Board of Governors of the Federal Reserve System</em>.</div> <div class="date"> August 20, 2014 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> "Regulatory & Litigation Update," <i>FinTech Law Report</i>, Vol. 17, No. 3, May/June 2014. </div> <div class="subtitle"></div> </div> <div class="abstract">CFPB Proposes Alternative Annual Privacy Notice Delivery Method; FDIC Issues White Paper regarding the Potential Use of Mobile Financial Services to Reach Unbanked and Underbanked Consumers; New York Department of Financial Services Reaches Agreement with Visa and MasterCard regarding Processing of Illegal Payday Loan Payments; CFPB Proposes Revisions to Remittance Transfer Rule; and Judge Approves Final Settlement in Four Oaks Case; Department of Justice Posts Blog Entry Defending Operation Chokepoint.</div> <div class="date"> May/June 2014 </div> <div class="type">Publications</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/CFPB-Changes/"> <i>Payment Systems Advisory:</i> CFPB Proposes Revisions to Remittance Transfer Rule </a> </div> <div class="subtitle"></div> </div> <div class="abstract">On April 15, 2014, the Consumer Financial Protection Bureau issued a proposal to amend its remittance transfer regulations implementing Section 1073 of the Dodd-Frank Act Wall Street Reform and Consumer Protection Act of 2010, which created new requirements for “remittance transfers.”</div> <div class="date"> April 24, 2014 </div> <div class="type">Advisories</div> </li> </ul> <div id="pubsListViewAllContent" class="viewmorelist collapsed"> <ul class="accordionlist"> <li> <div class="titlegroup"> <div class="title"> "Regulatory & Litigation Update,"<i> FinTech Law Report</i>, Vol. 17, No. 2, March/April 2014. </div> <div class="subtitle"></div> </div> <div class="abstract">USPS Inspector General issues report on providing non-bank financial services for the underserved; CFPB proposes rule to supervise nonbank international money transfer providers; FinCEN issues administrative rulings regarding virtual currency miners and investors; government accountability office publishes report on college debit card programs; CFPB urges credit card companies to make credit scores available to consumers; D.C. Circuit Court upholds Federal Reserve Board Regulation II; and Seventh Circuit rules for Target Corp. on TILA challenge to credit card upgrade.</div> <div class="date"> March/April 2014 </div> <div class="type">Publications</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/nacs-v-board-expanded/"> <i>Payment Systems Advisory:</i> D.C. Circuit Court Upholds Federal Reserve Board Regulation II </a> </div> <div class="subtitle"></div> </div> <div class="abstract">This advisory discusses the Court of Appeals for the D.C. Circuit’s reversal of the D.C. District Court’s grant of summary judgment in NACS v. Board of Governors of the Federal Reserve System (“<strong>NACS v. Board</strong>”), the challenge filed by a group of merchant trade associations and individual merchants (the “<strong>Merchants</strong>”) to the interchange-fee limitations and network exclusivity prohibition established by the Board of Governors of the Federal Reserve System (the “<strong>Board</strong>”) in Regulation II, Debit Card Interchange Fees and Routing (“<strong>Regulation II</strong>”). The court of appeals upheld Regulation II as currently drafted, finding that the Board had reasonably interpreted the Durbin Amendment’s mandates, but the court remanded one “minor” issue to the Board for further explanation—the treatment of transaction monitoring costs.</div> <div class="date"> March 27, 2014 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/nacs-v-board-II/"> <i>Payment Systems Advisory:</i> D.C. Circuit Court Upholds Regulation II <i>Grant of Summary Judgment by the District Court Reversed; Classification of Transaction-Monitoring Costs Remanded to Board for Further Proceedings</i> </a> </div> <div class="subtitle"></div> </div> <div class="abstract">In an opinion released today, the Court of Appeals for the D.C. Circuit reversed the D.C. District Court’s grant of summary judgment in <em>NACS v. Board of Governors of the Federal Reserve System (“NACS v. Board”),</em> the challenge filed by a group of merchant trade associations and individual merchants (the “Merchants”) to the interchange fee limitations and network exclusivity requirements set forth by the Board of Governors of the Federal Reserve System (the “Board”) in Regulation II, Debit Card Interchange Fees and Routing (“Regulation II”). The Court of Appeals upheld Regulation II as currently drafted, finding that the Board had reasonably interpreted the Durbin Amendment’s mandates, but the court remanded one “minor” issue to the Board for further explanation—the treatment of transaction monitoring costs.</div> <div class="date"> March 21, 2014 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/publications/CFPB-money-transfers/"> <i>Payment Systems Advisory:</i> CFPB Proposes Rule to Supervise Nonbank International Money Transfer Providers </a> </div> <div class="subtitle"></div> </div> <div class="abstract">On January 23, 2014, the Consumer Financial Protection Bureau (CFPB, or “Bureau”) proposed a rule to expand the scope of its non-depository supervisory coverage to include larger participants in the market for “international money transfers” (“Proposed Rule”). The Proposed Rule would apply to non-depository financial service companies (“nonbanks”) that provide at least one million international money transfers annually, and would permit the Bureau to supervise such entities regarding compliance with the Bureau’s “remittance transfer rule” and other applicable federal consumer financial laws, such as the prohibition on unfair, deceptive or abusive acts or practices (UDAAP).</div> <div class="date"> February 4, 2014 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/publications/Oral-Argument-NACSvBoard/"> <i>Payment Systems Advisory</i>: D.C. Circuit Hears Oral Argument in NACS v. Board </a> </div> <div class="subtitle"></div> </div> <div class="abstract">The Court of Appeals for the D.C. Circuit heard oral argument today in the appeal filed by the Board of Governors of the Federal Reserve System (the “<strong>Board</strong>”) of the D.C. District Court’s decision in <em>NACS v. Board of Governors of the Federal Reserve System</em> (“<strong><em>NACS v. Board</em></strong>”), the 2011 challenge filed by a group of merchant trade associations and individual merchants (the “<strong>Merchants</strong>”) to the interchange fee limitations and network exclusivity requirements set forth in Regulation II, Debit Card Interchange Fees and Routing (“<strong>Regulation II</strong>”).  This advisory summarizes developments in the case to date, as well as today’s oral argument before the circuit court.</div> <div class="date"> January 17, 2014 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/privacy-ab370-dnt-disclosure-best-practice/"> </i>Privacy & Security/Legislative & Public Policy Advisory</i>: On Eve of New Law Taking Effect, California Attorney General Announces Upcoming Best Practices Guidelines for Do-Not-Track Disclosures </a> </div> <div class="subtitle">Guidelines Will Not Delay New A.B. 370 Do-Not-Track Disclosure Requirements From Taking Effect on January 1, 2014</div> </div> <div class="abstract">On December 10, 2013, the Privacy Enforcement and Protection Unit of the California Office of the Attorney General (CA AG) held a meeting in San Francisco for interested stakeholders to discuss best practices in light of the Assembly’s enactment of A.B. 370, California’s new do-not-track disclosure law that goes into effect on January 1, 2014. As discussed in the previous <a title="Client Advisry on A.B. 370" href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/privacy-cal-ab-370/">Alston & Bird Client Advisory on A.B. 370</a>, the new law provides that operators of websites, online services and mobile applications must amend their privacy policies as of the new year to either (1) disclose how they respond to do-not-track signals from Internet browsers or other consumer choice mechanisms regarding the collection of behavioral tracking data; or (2) link to an online location containing a description of a consumer choice program the operator follows and explain the effects of that program. The new law also requires these operators to disclose the type and nature of any third-party tracking occurring on their sites, services or apps. The CA AG staff focused the discussion with stakeholders on what should constitute “best practices” regarding do-not-track disclosures, rather than on what would be required for businesses to simply comply with the new disclosure requirements created by passage of A.B. 370.</div> <div class="date"> December 13, 2013 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/regulation-II-Review/"> <i>Payment Systems Advisory:</i> D.C. Circuit Grants Expedited Review in <i>NACS v. Board</i>; District Court Stays Vacatur of Existing Regulation II Pending Resolution of Appeal </a> </div> <div class="subtitle"></div> </div> <div class="abstract">On September 19, 2013, the Court of Appeals for the D.C. Circuit granted the joint motion of the Board of Governors of the Federal Reserve System (the “<strong>Board</strong>”) and the plaintiff merchants (the “<strong>Merchants</strong>”) requesting expedited appeal of the D.C. District Court’s decision in <em>NACS v. Board</em>. In an order issued the same day, the district court granted the Board’s consent motion (the “<strong>Consent Motion</strong>”) requesting a stay of the district court’s order vacating certain provisions of Regulation II, Debit Card Interchange Fees and Routing (“<strong>Regulation II</strong>”), pending the circuit court’s resolution of the appeal.</div> <div class="date"> September 23, 2013 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/federal-reserve-appeal-regulation/"> <i>Payment Systems Advisory:</i> Federal Reserve to Appeal Ruling Vacating Key Provisions of Regulation II </a> </div> <div class="subtitle"></div> </div> <div class="abstract">This advisory discusses U.S. District Court Judge Richard J. Leon’s second status hearing regarding<em> NACS v. Board of Governors of the Federal Reserve System (NACS v. Board)</em>, held yesterday. At the hearing, counsel for the Board of Governors of the Federal Reserve System (“Board”) advised the district court that the Board was filing an immediate appeal of the decision to the D.C. Circuit Court of Appeals.</div> <div class="date"> August 22, 2013 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/update-DC-district-court/"> <i>Payment Systems Advisory:</i> Update on D.C. District Court’s Determination to Vacate Key Provisions of Regulation II </a> </div> <div class="subtitle"></div> </div> <div class="abstract">On August 14, 2013, Judge Richard J. Leon of the U.S. District Court for the D.C. Circuit held a status hearing regarding <em>NACS v. Board of Governors of the Federal Reserve System</em>.</div> <div class="date"> August 14, 2013 </div> <div class="type">Advisories</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/advisories/NACS-v-Board/"> <i>Payment Systems Advisory:</i> D.C. District Court to Vacate Key Provisions of Regulation II </a> </div> <div class="subtitle"></div> </div> <div class="abstract">This advisory discusses the memorandum opinion, released July 31, 2013, in <em>NACS v. Board of Governors of the Federal Reserve System</em>, in which the D.C. District Court granted the plaintiffs (a group of retailers and retailer trade associations) motion for summary judgment. In granting the motion, the court held that the Board of Governors of the Federal Reserve System “clearly disregarded” the intent of Congress in developing the interchange fee limitations and network exclusivity requirements set forth in Federal Reserve Board Regulation II, Debit Card Interchange Fees and Routing (“Regulation II”).</div> <div class="date"> August 8, 2013 </div> <div class="type">Advisories</div> </li> </ul> </div> <div class="viewall"> <div id="ListViewAll" class="ListViewAll1"> <a href="/web/20150413094015/http://www.alston.com/publications/list.aspx?Services=8fc74923-2ffc-48eb-9b6f-1d5531b0e0c0&PublicationTypes=allpubtypes">View All</a> </div> <a href="javascript:void(0);" id="pubsListViewAll"><span class="expandAll">View More ></span><span class="collapseAll">< View Less</span></a> <script> jQuery(document).ready(function () { $("#pubsListViewAll").viewMoreList($("#pubsListViewAllContent")); }); </script> </div> <div class="clear"></div> </div> </div> <div class="accordionLi general collapsed"> <div class="name relInfoAnchorName"><h3><a href="javascript:void(0);" class="relInfoAnchor">Events</a></h3></div> <div class="content relInfoDiv relInforEvents"> <ul class="accordionlist"> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/Payments-2015/">Payments 2015</a> </div> <div class="subtitle"></div> </div> <div class="abstract">Legal Implications of Developing a Future Payment System</div> <div class="date"> April 21, 2015 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/DataPath-Connections-2015/">DataPath Connections 2015</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> April 29-May 1, 2015 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/EBIA-Cafeteria-Plans-2015/">EBIA Cafeteria Plans</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> May 5, 2015 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/Medicare-Bundled-Payments-for-Care-Improvement-Initiative-Experiences-on-the-Front-Lines-of-Alternative-Payment/">Medicare Bundled Payments for Care Improvement Initiative: Experiences on the Front Lines of Alternative Payment</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> May 13, 2015 </div> <div class="type">Webinar</div> </li> </ul>  <h3>Past Events</h3><ul class="accordionlist"> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/34th-ECFC-Annual-Conference/">34th ECFC Annual Conference</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> March 4-6, 2015 </div> <div class="type">Seminar</div> </li> </ul> <div id="eventsListViewAllContent" class="viewmorelist collapsed"> <ul class="accordionlist"> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/Volcker-Rule-Compliance-Programs-What-every-bank-and-bank-affiliate-needs-to-do-before-July-21-2015/">Volcker Rule Compliance Programs: What every bank and bank affiliate needs to do before July 21, 2015</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> February 12, 2015 </div> <div class="type">Webinar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/BMO-Capital-Markets-Conference/">BMO Capital Markets Conference</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> February 9, 2015 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/American-Health-Lawyers-Association-Physicians-and-Hospital-Law-Institute/">American Health Lawyers Association Physicians and Hospital Law Institute</a> </div> <div class="subtitle"></div> </div> <div class="abstract">Managed Care Litigation in the Age of Health Care Exchanges and Value-Based Payment</div> <div class="date"> February 2-3, 2015 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/The-ClearingHouse-Annual-Conference/">The ClearingHouse Annual Conference</a> </div> <div class="subtitle"></div> </div> <div class="abstract">Emerging Payments</div> <div class="date"> November 19-21, 2014 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/Advanced-Health-Care-Law-2014/">Advanced Health Care Law</a> </div> <div class="subtitle"></div> </div> <div class="abstract">Changes in Health Care Delivery and Payment</div> <div class="date"> October 17, 2014 </div> <div class="type">Seminar</div> </li> <li> <div class="titlegroup"> <div class="title"> <a href="https://web.archive.org/web/20150413094015/http://www.alston.com/events/Fourteenth-Annual-Chicago-Payments-Symposium/">Fourteenth Annual Chicago Payments Symposium</a> </div> <div class="subtitle"></div> </div> <div class="abstract"></div> <div class="date"> September 25-26, 2014 </div> <div class="type">Seminar</div> </li> <li> <div 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"/> 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