Lawyer Overview

Professional Experience

Holli was admitted to practice law in Maryland in 1985; the District of Columbia in 1988; and Michigan in 1990. Holli is a member of the firm, and focuses her practice on electronic banking, bank regulatory, electronic commerce, and credit card processing law. Holli has served as Staff Attorney at the Office of the Comptroller of the Currency in Washington D.C., and as Staff Counsel to Michigan National Corporation.  Holli is President of the Electronic Transactions Association and Past President and Founder of Women Networking in Electronic Transactions (W.net).  She currently serves as Chairperson of the Jaffe Finance Law Group.

Areas of Emphasis

Electronic Banking and Commerce

Holli counsels financial institutions and merchant-acquiring, electronic fund transfer, loyalty card, and electronic commerce businesses on contractual and regulatory matters. As advisor to companies in the credit card processing industry internationally, Holli advises clients on strategic direction, and negotiates independent sales organization, BIN, agent bank, and association contracts.  She handles troubled and bankrupt merchant matters, reducing merchant acquirers' risk of loss.  Holli negotiates merchant portfolio and card processing industry mergers and acquisitions.  Additionally, Holli counsels companies engaged in the payments business, negotiating contracts and advising companies on electronic fund transfer regulatory issues and on state and Federal laws. She is a frequent author and speaker at industry forums, and is a contributing author to The 1999 Guide to Smart Cards and Stored Value. Holli is President of the Electronic Transactions Association (ETA) and Past President and Founder of Women Networking in Electronic Transactions (W.net).

Areas of Practice

• Electronic Banking Group
• Business Law

West Practice Categories

Business & Commercial Law, Electronic Commerce, Banking & Finance Law

Bar Admissions

• Michigan, 1990
• District of Columbia, 1988
• Maryland, 1985

Professional Associations and Memberships

• ETA President of the Board of Directors, 2009 - Present
• ETA President Elect of the Board of Directors, 2008 - 2009
• ETA Board of Directors, 2002 - Present
• ETA Executive, Finance and Nominating Committee, 2006 - Present
• ETA Industry Relations Committee, 2006 - 2007
• ETA Government Relations Committee, 2004 - 2006 (Chairman)
• W.Net: Women Networking in Electronic Transactions, 2005 - Present (Founder and Past President)
• Who's Who in American Law, 2003 - 2005
• Transaction World Magazine Mover and Shaker Award (2004,2007)
• ETA Committee Volunteer of the Year Award, 2004
• W.net, 2005 - 2006 (President)
• ETA Member of the Year Award, 2006
• Lawrence Technological University Leaders & Innovators Award, 2007

Honors and Awards

• GSQ Magazine Who's Who, 2009
• 2007 Transaction World Magazine "Mover and Shaker" Award
• ETA 2006 Member of The Year Award
• ETA 2005 Committee of the Year Award
• ETA 2004 Committee Volunteer of the Year Award
• 2004 Transaction World Magazine "Mover and Shaker" Award

Classes and Seminars

• Where We Are and Where We Are Going: Regulatory Compliance, Electronic Transactions Association (ETA) Annual Meeting, 2005
• Panelist, "Contracts and Compliance", Midwest Acquirers Association, 2004 - Present
• Moderator, The Great Debit Card Dilemma, ETA Strategic Leadership and Networking Forum, 2003
• Acquiring By the Rules, Keynote Address, Midwest Acquirers' Association Annual Meeting, 2003
• Merchant Contract Ownership, ETA Annual Meeting, 2003
• Best Practices in Merchant Contracting, ETA Annual Meeting, 2002
• Legal Issues in Bankcard Processing for ISOs, ETA Annual Meeting, 2001
• The Rhyme and Reason of Risky Merchants, MSI Annual Agent Conference, 2001
• Legal Issues in Bankcard Processing for ISOs, ETA Annual Meeting, 2001
• 10 Legal Tips for Sales Agents, MSI Annual Agent Conference, 2000
• The ISO/Bank Relationship, Northeast Acquirers' Association, 2000
• Federal and State Electronic Commerce Laws, State Bar of Michigan Annual Meeting, 1999
• Recent Developments in Electronic Fund Transfer Legal Issues, NYCE Electronic Delivery Conference, 1999
• Internet Privacy, Michigan Bar Association Computer Law Section, 1998
• On-Line Brokerage Legal Issues, Home Banking Forum, 1998
• Electronic Banking and the Internet: Legal Aspects of the Electronic Delivery of Banking Services, 18th Annual Financial Institutions Conference, University of Kentucky/Kentucky Bankers Association, 1998
• Smart Card Legal Issues, Electronic Delivery of Financial Services, State Bar of California, 1997
• Regulation of Stored Value Cards: Clarifying the Confusion, Debit Card Forum, 1997

Past Employment Positions

• Michigan National Corporation, Staff Counsel, 1991 - 1994
• Office of the Comptroller of the Currency, Staff Attorney, 1985 - 1989

Education

• Wayne State University Law School, Detroit, Michigan, 1985
  J.D.
  Honors: cum laude
  
  Law Review: The Wayne Law Review, Associate Editor, 1983 - 1985
• Michigan State University, James Madison College, East Lansing, MI, USA, 1982
  B.A.

Published Works

• Security Breach Insurance Programs, Transaction World, April, 2009
• When Selling, Don't Sell Yourself Short, Transaction World, March, 2009
• Is It Time to Sell Yet?, Transaction World Magazine, September, 2006
• Card Associations Get Tough on Data Security, Transaction World Magazine, February, 2004
• New Restrictions on Faxed Ads, ETA NewsFlash, August 18, 2003
• Merchant Ownership Debunked, Transaction World, August, 2003
• Merchant Contracts in the New Millennium, Transaction Trends, December, 2002
• Protecting Your Company's Trademarks, Transaction World, November, 2002
• Demystifying Legal Mumbo Jumbo, Transaction Trends, April, 2002
• The Rights of Employers and Sales Agents, Transaction World, April, 2002
• Big Brother Sets His Sights on the ISO Business, Transaction Trends, March, 2002
• The OCC Merchant Processing Handbook, Transaction Trends, February, 2002
• What's a Buy-Sell?, Transaction Trends, January, 2002
• Setting Up Your Own Shop: Starting An ISO, Transaction World, January, 2002
• The Ins and Outs of BINs, Transaction Trends, November, 2001
• Merchant Acquirer Consolidation, Credit Card Management, September, 2001
• Multiple Articles On Electronic Banking Topics,, American Banker, Financial Service Online, 1995-present
• Making the Most of Your Legal Budget, Transaction Trends, October, 2001
• Protecting the Foundation: Strong Merchant Contracts, Transaction World Magazine, September, 2001
• Merchant Acquirer Consolidation: How to React, Credit Card Management, September, 2001
• Internet ACHs and Card Account Truncation, Transaction Trends, July, 2001
• The Big Bad World of Merchant Bankruptcy, Transaction Trends, June, 2001
• Internet Merchant Applications and Contracts, Transaction Trends, May, 2001
• Get It In Writing, Transaction Trends, April, 2001
• Card Processing Top 10 Legal Tips, Transaction Trends, March, 2001
• Get Ready for the Exam: New Federal Requirements for ISOs and Banks, Transaction Trends, January/February, 2001
• There's a New Law in Town: Internet Card Processing Requirements, Transaction Trends, December, 2000
• Web Page Privacy Policies, Transaction Trends, September/October, 2000
• Changing Legal Obligations Amid A Changing Landscape, Transaction Trends, July/August, 2000
• Copying Rights Under Copyrights, Transaction Trends, May/June, 2000
• What's On Your Web Page?, Transaction Trends, March, 2000
• Playing by the Rules in E-Commerce, Transaction Trends, Winter, 1999
• Getting the Most Out of Processing for Agent Banks, Transaction Trends, Autumn, 1999
• Tips for the Unwary: Protecting Against Merchant Bankruptcy, Transaction Trends, Summer, 1999
• Contracting Over the Internet, Transaction Trends, Spring, 1999
• Protecting Your Business When the Salesperson Moves On, Transaction Trends, Winter, 1999
• Chapter 4: Legal Issues, 1999 Guide to Smart Cards and Stored Value, Faulkner & Gray, 1998
• Legal Roadblocks to Cashing In on ATMs, Transaction Trends, Summer, 1998
• Getting Back to Basics: Performing Due Diligence, Transaction Trends, Spring, 1998
• Get Smart: Protect Yourself with Smart Card Contracts, CrainA's Detroit Business, May 18, 1998
• Paper Swords: Strong Merchant Contracts are Best Defense, Transaction Trends, Winter, 1998
• Chapter 4: Legal Issues and Stored Value Systems, 1998 Guide to Smart Cards and Stored Value, Faulkner & Gray, 1997
• Seven Ways to Tailor Your ISO Agreements, Transaction Trends, Autumn, 1997
• Beyond the Multiple: Other Critical Terms to Consider When Selling Your Merchant Portfolio, Transaction Trends, Summer, 1997
• Who is Liable for Smart Card Transactions?, Michigan Banker, June, 1997
• Surcharge At Your Own Risk, Financial Service Online, May, 1997
• There's Nothing Dumb About Smart Card Contracts, The American Banker, January 29, 1997
• Navigating the Legal Minefields of On-Line Investments, Financial Service Online, July/August, 1996
• Before Signing On That Dotted Line, Financial Service Online, January/February, 1996
• Let the Caller Beware: Telephone Sales Rules Are Changing, BSA Member News, July, 1995
• If Vendor Doesn't Measure Up, Keep On Fishing for Another, The American Banker, May 25, 1995
• Six Ways to Tailor Your ISO Agreements, BSA News, April, 1995
• In Merchant Processing Contracts, One Size Doesn't Fit All, The American Banker, February 10, 1995
• A Brave New World of Banking Law Enforcement, The Florida Bar Journal, April, 1990

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