Duncan regularly counsels payment card issuers and service providers in regulatory compliance matters, in structuring card issuance programs, and in negotiating co-branding, program manager, issuer processor, and sales/distribution agent agreements.
He also advises merchants, processors, and acquirers in regulatory matters and in negotiating sponsorship, acquiring, and processing agreements. Further, Duncan frequently counsels PIN and signature-based card network operators in the structuring of partner relationships and in the development and implementation of network operating rules and procedures.
Duncan has extensive experience advising financial institutions, processors, and merchants in connection with ACH and check-based payments, including negotiating agreements on behalf of third party service providers, third party senders, retailers, and financial institutions related to the authorization, acceptance, and processing of ACH and check-based payments.
Duncan has represented numerous bank and non-bank clients in connection with product development, implementation, and compliance issues related to emerging and evolving payment mechanisms and systems, including mobile payments, person-to-person payments, and account-to-account transfers.