Aaron Kouhoupt has more than 20 years of experience representing clients in consumer financial services matters. He has served as both in-house and outside counsel to banks, Fintech companies, mortgage lenders and servicers, small loan companies, payments processors, money transmitters, and other financial institutions. Aaron’s practice centers on payments, lending, and federal regulatory compliance, with a particular focus on assisting Fintech clients with market entry.
Aaron has assisted in building and operating bank compliance programs, as well as foreign companies in the U.S. banking and consumer finance space. He also advises on Bank Secrecy Act (BSA), Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA) matters, as well as privacy, bankruptcy, and enterprise risk management matters.
Professional Highlights
Professional Activities
American Bar Association; Business Law Section, Compliance Management Subcommittee, Chair; Consumer Financial Services Committee
Conference on Consumer Finance Law, Governing Committee
Recognition & Accomplishments
Chambers Fintech Guide, Leading Individual, FinTech Legal: Payments & Lending (Nationwide), 2025-present
Attorney Intel, "Top 25 Financial Technology Attorney," 2025
Speaking Engagements
Speaker, “Payments, Fraud, and Liability in a Digital World: What Credit Union Counsel Must Navigate,” America’s Credit Unions Attorneys Conference, October 19, 2026
Speaker, “The Agentic AI Reality Check: What Banks and Fintechs Are Doing in 2026,” AI-Native Banking & Fintech Conference, September 29, 2026
Speaker, “Stay Calm and Compliant: Regulatory and Risk Divergence Across the Atlantic,” NACHA Smarter Faster Payments 2026, April 28, 2026
Publications
Co-author, “The Earned Wage Access Boom: Sixteen States Propose Legislation to Regulate These Types of Products,” Business Law Today, Month-In-Brief: Business & Regulated Industries, American Bar Association, March 2025
Co-author, “FinCEN Order Allows Banks to Collect Taxpayer Information From Third Parties,” Business Law Today, Month-In-Brief: Business & Regulated Industries, American Bar Association, July 2025
Co-author, “Third Circuit Adopts ‘Reasonable Reader’ Standard for Credit Report Accuracy,” Business Law Today, Month-In-Brief: Business & Regulated Industries, American Bar Association, August 2022
Credentials
Education
Rutgers, School of Law – Camden (J.D. 2004)
University of Maine at Presque Isle (B.S. 2001)
Admissions
New Jersey
Ohio
Maine