Payment cards


Recent congressional legislation and economic trends have brought payment card systems under increased regulatory scrutiny. With experience spanning both the business and regulatory sides of these systems, our experts are able to provide in-depth and innovative analyses of transactions and disputes.

Bates White experts have worked on a number of antitrust cases involving the payment card industry. Their work in these cases has included providing damages analyses in cases involving alleged anticompetitive horizontal agreements; analysis of competitive effects of single firm rules and practices; investigating dual governance of joint ventures by leading card issuers and the effect of restrictions on member banks; analysis of liability and damage issues arising from tying arrangements associated with the processing of payment card charges; and providing analysis in a litigated merger of pin debit networks

Bates White has also been engaged on matters involving credit risk management. While working with one of the country’s largest credit insurance companies, our experts developed state-of-the-art statistical models to predict default risk for the underwriting credit insurance—models that became a standard part of our client’s underwriting process. Additionally, Bates White experts have managed the development and implementation of an artificial neural network credit card fraud model and created strategies to integrate results into business systems.

  • Developed state-of-the-art statistical models to account for default correlation for underwriting credit insurance; models became the standard tools for the country’s largest credit insurance firm.