James Mann’s practice focuses on consumer payment devices, payment systems, and loyalty programs. Mr. Mann represents parties to agreements for the issuance of many types of consumer payment devices, notably prepaid cards as well as general purpose, private label, and agent bank credit cards.
He also advises on the design of online commerce platforms and represents parties to agreements regarding payment processing; the outsourcing of issuing and processing functions and the procurement of the related technology; the sale of issuing or processing businesses and the associated receivables; and network branding, pricing, and marketing. In recent years, many such agreements have involved mobile payments, utilizing a variety of networks and technologies.
Mr. Mann’s transactional practice remains centered on the United States, but in recent years has also embraced the Caribbean, Latin America, Europe, and other foreign markets. Mr. Mann also assists clients in commenting on agency proposals, in other interactions with the agencies, and in the development of compliance programs.
In addition, Mr. Mann provides advice on the applicable Federal laws and regulations, as well as the applicable payment-system rules. Examples include the CFPA, TILA, ECOA, EFTA, GLBA Privacy, the Federal FCRA, the FTCA, and the rules of NACHA, MasterCard, Discover, Star, Pulse, ACCEL/Exchange, and other debit networks.
Mr. Mann represents parties in designing loyalty programs, for example to optimize commercial efficacy and intellectual property protection; outsourcing loyalty program functions; establishing loyalty coalitions; and drafting and revising loyalty program rules.
- J.D., Columbia Law School, 1986
- Schlesinger Prize
- B.A., Harvard College, 1982, summa cum laude
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