Jennifer Aguilar

• Counseled clients on Nacha rules compliance, including drafting authorizations and origination agreements and advising on implementation of new rules.
• Advised on consumer compliance requirements for a crypto rewards credit card program.
• Drafted user terms for a business-to-business payments platform.
• Reviewed consumer deposit account agreements and disclosures for compliance with federal regulations.
• Drafted company policies for clients on consumer compliance topics such as EFTA, Nacha, UDAAP, fair lending, and marketing.
• Served as acting general counsel to a credit union, working directly with executives and business units on contract disputes and consumer compliance. 

Jennifer Aguilar is counsel in Alston & Bird’s Financial Services Group. She counsels financial services clients on regulatory and transactional matters, with a focus on payments laws and network rules.

Jennifer advises clients on matters relating to the Nacha Operating Rules and Guidelines, card network rules, the Electronic Funds Transfer Act (EFTA), Truth in Savings Act (TISA), Expedited Funds Availability Act (EFA Act) and Truth in Lending Act (TILA), and a variety of state laws.

Before joining Alston & Bird, Jennifer was an associate at a law firm in a leading consumer financial services group, where she advised clients on requirements relating to consumer protection and disclosures, deposit products, payment cards, credit cards, checks, and installment lending. She also served as counsel at the National Association of Federally-Insured Credit Unions (NAFCU), where she provided comprehensive compliance assistance on the federal consumer financial services regulations to the nation's credit unions.

Bar Admissions

• District of Columbia
• Virginia

Education

• American University (J.D., 2016)
• University of California, San Diego (B.A., 2013)

Memberships