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Digital Assets and Data Management

Overview

“BakerHostetler, a law firm with a massive data and privacy presence, compiles data from their clients’ experiences to offer a rare lawyer’s perspective on cyber statistics. No amount of vendor telemetry can provide some of the information they have, including outcome statistics from ransomware negotiations or the frequency of litigation.”

– SC Magazine, May 6, 2021

Data is king – partnerships are gold – and BakerHostetler has been recognized as a powerhouse in this space.

BakerHostetler formed the Digital Assets and Data Management Practice Group (DADM Group) to mirror how our clients do business. Leveraging data and technology is a priority for most entities. We have united key service offerings and technologists to address all the risks associated with an entity’s digital assets. Our clients are collecting data and then utilizing advanced technology to transform their products and services. Doing this creates enterprise risk. Our practice group works with our clients through the life cycle of data – privacy, security, marketing and advertising, transactions, and emerging technology – within an organization.

More »

Our Group was named a 2020-2021 “Pacesetter” in Cybersecurity Services by ALM Intelligence Pacesetter Research, an independent research group focused on professional services. BakerHostetler is the only law firm to achieve Pacesetter status, as ALM researchers noted that the firm “goes to market with a business-led approach to information security that positions data as a critical asset of today’s digital enterprise.” The firm was also one of four law firms named “Market Leaders” in the report.

We were also recognized as a “Powerhouse” by BTI Consulting’s Cybersecurity & Data Privacy 2020 Report and have been named one of BTI’s “Cybersavvy 16,” a nationwide list of the top legal practices in this arena.

Our experience and approach enable effective global digital risk management (and are our competitive differentiators). Our attorneys are on-site at client locations hundreds of days a year doing the small and large things necessary to meet our clients’ needs and help them accomplish their goals: conducting training, doing claims audit and substantiation, leading proactive security and risk assessments, working through security and compliance incidents, advising executive leadership teams and boards, preparing witnesses for depositions and regulatory investigations, and providing advice on new initiatives and transactions.

We serve some of the largest names in retail, healthcare, hospitality, education and financial services. We also work on small and midsized matters, and these are often the matters that expose us to new trends and risks. Our technologists analyze key data from our matters to help us identify trends, develop insights and build custom tools to enable digital transformation efforts. The depth and breadth of our group’s experience are unmatched and position us to advise clients on all aspects of managing data and digital assets.

The DADM Group was built from the successes of our highly regarded Data Privacy and Advertising teams, which are ranked by Chambers, Chambers Global and Legal 500. Our lawyers have also been recognized by Law360, Financial Times Innovative Lawyers and American Lawyer Media for being trailblazers in this space. Indeed, our annual Data Security Incident Response Report is a go-to resource, and the compromise intelligence gained from the work associated with the Report enables us to inform our clients so they can make healthy risk-based decisions affecting various segments of their operations. Additionally, the firm’s innovative R&D team, IncuBaker, is included in this group to help lawyers and clients navigate the intersection of digital business, emerging technology and law.

Select Experience

  • The Advertising, Privacy Governance and Technology Transactions, Digital Risk and Cybersecurity teams provide seamless overall counseling to global consumer products and retailers, helping the companies navigate the supporting of advertising claims, evolving loyalty and subscription programs, and CCPA compliance. The coordination of such work has never been more important as companies grapple with how lawfully to collect, protect and use valuable consumer data.
  • We served as incident response and post-disclosure counsel for Marriott Hotels regarding the Starwood Hotels guest record security incident disclosed in 2018. We also are defending Marriott in multidistrict litigation against claims brought by individuals, banks and cities.
  • All seven of our teams have supported a multinational grocer, including advised on CCPA compliance, conducting an advertising and digital media boot camp, providing counsel regarding e-commerce and cybersecurity and handling legal issues related to the response, notification and litigation arising from a payment card security incident.
  • We advised a large specialized research and treatment center on healthcare compliance, including the use of de-identified protected health information for research purposes.
More »

Professionals

Name Title Office Email
R. Bisi Adeyemo
Atlanta
+1.404.256.8430
Associate
R. Bisi Adeyemo
Associate Atlanta
Jerel Pacis Agatep
San Francisco
+1.415.659.2600
Associate
Jerel Pacis Agatep
Associate San Francisco
Carolina A. Alonso
New York
+1.212.589.4671
Associate
Carolina A. Alonso
Associate New York
Christopher M. Arena
Atlanta
+1.404.459.5644
Partner
Christopher M. Arena
Partner Atlanta
Sarah A. Ballard
Denver
+1.303.764.4052
Associate
Sarah A. Ballard
Associate Denver
Lauren Bass
New York
+1.212.847.7042
Associate
Lauren Bass
Associate New York
Hiruy Berhane
Philadelphia
+1.215.564.2027
Associate
Hiruy Berhane
Associate Philadelphia
Shruti Bhutani Arora
San Francisco
+1.415.659.2636
Associate
Shruti Bhutani Arora
Associate San Francisco
Melissa Bilancini
Cleveland
+1.216.861.7094
Associate
Melissa Bilancini
Associate Cleveland
Taylor A. Bloom
Costa Mesa
+1.714.966.8895
Associate
Taylor A. Bloom
Associate Costa Mesa
Csilla Boga-Lofaro
New York
+1 212.589.4660
Associate
Csilla Boga-Lofaro
Associate New York
Fernando A. Bohorquez Jr.
New York
+1.212.589.4242
Partner
Fernando A. Bohorquez Jr.
Partner New York
Janine Anthony Bowen
Atlanta
+1.404.946.9816
Partner
Janine Anthony Bowen
Partner Atlanta
Mary Pat Brogan
Cleveland
+1.216.861.7020
Associate
Mary Pat Brogan
Associate Cleveland
Joseph L. Bruemmer
Cincinnati
+1.513.929.3410
Partner
Joseph L. Bruemmer
Partner Cincinnati
Brian A. Bulson
Cleveland
+1.216.861.7184
Partner
Brian A. Bulson
Partner Cleveland
Sam Camardo
Cleveland
+1.216.861.7304
Partner
Sam Camardo
Partner Cleveland
David A. Carney
Cleveland
+1.216.861.7634
Partner
David A. Carney
Partner Cleveland
Craig C. Carpenter
Dallas
+1.214.210.1224
Partner
Craig C. Carpenter
Partner Dallas
Kathryn E. Childress
Dallas
+1.214.210.1134
Associate
Kathryn E. Childress
Associate Dallas
Teresa C. Chow
Los Angeles
+1.310.979.8458
Partner
Teresa C. Chow
Partner Los Angeles
Ryan M. Christian
Atlanta
+1.404.256.8234
Counsel
Ryan M. Christian
Counsel Atlanta
Allison R. Clark
Dallas
+1.214.210.1132
Associate
Allison R. Clark
Associate Dallas
Adam I. Cohen
New York
+1.212.589.4629
Counsel
Adam I. Cohen
Counsel New York
Casie D. Collignon
Denver
+1.303.764.4037
Partner
Casie D. Collignon
Partner Denver
Lisa N. Collins
Atlanta
+1.404.256.8231
Partner
Lisa N. Collins
Partner Atlanta
Jennifer E. Costa
Houston
+1.713.646.1344
Counsel
Jennifer E. Costa
Counsel Houston
Pierce T. Cox
Houston
+1.713.646.1325
Associate
Pierce T. Cox
Associate Houston
Bob Craig
Cleveland
+1.216.430.3030
Chief Information Officer
Bob Craig
Chief Information Officer Cleveland
Brian Craig
Washington, D.C.
+1.202.861.1662
Counsel
Brian Craig
Counsel Washington, D.C.
Payal P. Cramer
Atlanta
+1.404.256.8433
Counsel
Payal P. Cramer
Counsel Atlanta
Keeley O. Cronin
Denver
+1.303.764.4172
Associate
Keeley O. Cronin
Associate Denver
Craig L. Cupid
Atlanta
+1.404.256.8230
Partner
Craig L. Cupid
Partner Atlanta
Alyssa M. Daniels
Cleveland
+1.216.861.6038
Associate
Alyssa M. Daniels
Associate Cleveland
Bonnie Keane DelGobbo
Chicago
+1.312.416.8185
Partner
Bonnie Keane DelGobbo
Partner Chicago
Carrie Dettmer Slye
Cincinnati
+1.513.852.2626
Counsel
Carrie Dettmer Slye
Counsel Cincinnati
Vimala Devassy
Atlanta
+1.404.256.8243
Partner
Vimala Devassy
Partner Atlanta
Yadilsa Diaz
New York
+1.212.847.7043
Associate
Yadilsa Diaz
Associate New York
Kevin R. Edgar
Washington, D.C.
+1.202.861.1796
Counsel
Kevin R. Edgar
Counsel Washington, D.C.
Elise R. Elam
Cincinnati
+1.513.929.3490
Associate
Elise R. Elam
Associate Cincinnati
Colby M. Everett
Denver
+1.303.764.4062
Associate
Colby M. Everett
Associate Denver
Robyn M. Feldstein
New York
+1.212.589.4278
Counsel
Robyn M. Feldstein
Counsel New York
Gerald J. Ferguson
New York
+1.212.589.4238
Partner
Gerald J. Ferguson
Partner New York
Stefanie L. Ferrari
Chicago
+1.312.416.6229
Associate
Stefanie L. Ferrari
Associate Chicago
John P. Ferry
Washington, D.C.
+1.202.861.1594
Associate
John P. Ferry
Associate Washington, D.C.
Michael E. Fitzgerald
Philadelphia
+1.215.564.2740
Associate
Michael E. Fitzgerald
Associate Philadelphia
Jonathan A. Forman
New York
+1.212.847.2855
Partner
Jonathan A. Forman
Partner New York
Amy E. Fouts
Atlanta
+1.404.256.8434
Partner
Amy E. Fouts
Partner Atlanta
Lisa M. Ghannoum
Cleveland
+1.216.861.7872
Partner
Lisa M. Ghannoum
Partner Cleveland
Linda A. Goldstein
New York
+1.212.589.4206
Partner
Linda A. Goldstein
Partner New York
Sara M. Goldstein
Philadelphia
+1 215.564.1572
Partner
Sara M. Goldstein
Partner Philadelphia
Michelle R. Gomez
Denver
+1.303.764.4099
Associate
Michelle R. Gomez
Associate Denver
May Tal Gongolevsky
New York
+1.212.589.4213
Partner
May Tal Gongolevsky
Partner New York
Aaron B. Goodman
Chicago
+1.312.416.8186
Counsel
Aaron B. Goodman
Counsel Chicago
Teresa Goody Guillén
Washington, D.C. / San Francisco
+1.202.861.1630 / +1.415.659.2642
Partner
Teresa Goody Guillén
Partner Washington, D.C.
Kimberly C. Gordy
Houston / Seattle
+1.713.646.1360 / +1.206.566.7091
Partner
Kimberly C. Gordy
Partner Houston
Kyle R. Gregory
Atlanta
+1.404.459.4218
Associate
Kyle R. Gregory
Associate Atlanta
Joel Griswold
Chicago / Orlando
+1.312.416.6238 / +1.407.649.4088
Partner
Joel Griswold
Partner Chicago
Alissamariah Gutierrez
Atlanta
+1.404.946.9819
Associate
Alissamariah Gutierrez
Associate Atlanta
Patrick H. Haggerty
Cincinnati
+1.513.929.3412
Partner
Patrick H. Haggerty
Partner Cincinnati
Mark Hatcher
Columbus
+1.614.462.4765
Partner
Mark Hatcher
Partner Columbus
Sherman G. Helenese
Seattle
+1.206.566.7099
Counsel
Sherman G. Helenese
Counsel Seattle
W. Ashley Hess
Cincinnati / Dallas
+1.513.852.2621 / +1.214.210.1221
Partner
W. Ashley Hess
Partner Cincinnati
Melissa M. Hewitt
Houston
+1.713.646.1397
Associate
Melissa M. Hewitt
Associate Houston
Craig A. Hoffman
Cincinnati
+1.513.929.3491
Partner
Craig A. Hoffman
Partner Cincinnati
Sean J. Holder
Atlanta
+1 404.256.8236
Counsel
Sean J. Holder
Counsel Atlanta
Susan Whittaker Hughes
Cleveland
+1.216.861.7841
Partner
Susan Whittaker Hughes
Partner Cleveland
John P. Hutchins
Atlanta
+1.404.946.9812
Partner
John P. Hutchins
Partner Atlanta
Michael C. Ingram
Washington, D.C.
+1.202.861.1736
Associate
Michael C. Ingram
Associate Washington, D.C.
Kristen L. Jackson
Chicago
+1.312.416.6233
Associate
Kristen L. Jackson
Associate Chicago
Joy N. Johns
Chicago
+1.312.416.6212
Associate
Joy N. Johns
Associate Chicago
Andreas T. Kaltsounis
Seattle
+1.206.566.7080
Partner
Andreas T. Kaltsounis
Partner Seattle
Paul G. Karlsgodt
Denver
+1.303.764.4013
Partner
Paul G. Karlsgodt
Partner Denver
Daniel Kaufman
Washington, D.C.
+1.202.861.1523
Partner
Daniel Kaufman
Partner Washington, D.C.
Kiley C. Keefe
Dallas
+1.214.210.1140
Associate
Kiley C. Keefe
Associate Dallas
Gilbert S. Keteltas
Washington, D.C.
+1.202.861.1530
Partner
Gilbert S. Keteltas
Partner Washington, D.C.
Theodore J. Kobus III
New York
+1.212.271.1504
Partner
Theodore J. Kobus III
Partner New York
M. Scott Koller
Los Angeles
+1.310.979.8427
Partner
M. Scott Koller
Partner Los Angeles
Chelsea M. Lamb
Atlanta
+1.404.256.6694
Associate
Chelsea M. Lamb
Associate Atlanta
Amy L. Lenz
Chicago
+1.312.416.6220
Associate
Amy L. Lenz
Associate Chicago
Albert G. Lin
Columbus
+1.614.462.4732
Partner
Albert G. Lin
Partner Columbus
Courtney L. Litchfield
Chicago
+1.312.416.6236
Associate
Courtney L. Litchfield
Associate Chicago
Jessica S. Lowery
Houston
+1.713.646.1386
Associate
Jessica S. Lowery
Associate Houston
Katherine Lowry
Cincinnati
+1.513.852.2631
Director of Practice Services
Katherine Lowry
Director of Practice Services Cincinnati
Evan M. Mannering
Washington, D.C.
+1.202.861.1548
Counsel
Evan M. Mannering
Counsel Washington, D.C.
Dante A. Marinucci
Cleveland
+1.216.861.7342
Partner
Dante A. Marinucci
Partner Cleveland
Christine Mastromonaco
San Francisco
+1.415.659.2654
Associate
Christine Mastromonaco
Associate San Francisco
Marcus McCutcheon
Costa Mesa
+1.714.966.8811
Counsel
Marcus McCutcheon
Counsel Costa Mesa
Melinda L. McLellan
New York
+1.212.589.4679
Partner
Melinda L. McLellan
Partner New York
Jennifer A. Mills
Cleveland
+1.216.861.7874
Partner
Jennifer A. Mills
Partner Cleveland
Jennifer L. Mitchell
Los Angeles
+1.310.442.8865
Partner
Jennifer L. Mitchell
Partner Los Angeles
Thomas I. Moran II
Cleveland
+1.216.861.7142
Associate
Thomas I. Moran II
Associate Cleveland
Kimberly S. Morris
San Francisco
+1.415.659.2660
Partner
Kimberly S. Morris
Partner San Francisco
James R. Morrison
Seattle
+1.206.332.1108
Partner
James R. Morrison
Partner Seattle
Michael W. Moyer
Seattle / San Francisco
+1.206.332.1104 / +1.415.659.2644
Partner
Michael W. Moyer
Partner Seattle
Amy Ralph Mudge
Washington, D.C.
+1.202.861.1519
Partner
Amy Ralph Mudge
Partner Washington, D.C.
Brian M. Murray
Cleveland
+1.216.861.7084
Partner
Brian M. Murray
Partner Cleveland
Robert A. Musiala Jr.
Chicago
+1.312.416.8192
Counsel
Robert A. Musiala Jr.
Counsel Chicago
Eric A. Packel
Philadelphia
+1.215.564.3031
Partner
Eric A. Packel
Partner Philadelphia
Matthew D. Pearson
Costa Mesa
+1.714.966.8882
Associate
Matthew D. Pearson
Associate Costa Mesa
David H. Potter
Chicago
+1.312.416.6278
Associate
David H. Potter
Associate Chicago
Carole S. Rendon
Cleveland
+1 216.861.7420
Partner
Carole S. Rendon
Partner Cleveland
Veronica Reynolds
Los Angeles
+1.310.442.8895
Associate
Veronica Reynolds
Associate Los Angeles
Craig A. Robinson
Houston
+1.713.646.1365
Associate
Craig A. Robinson
Associate Houston
Chad A. Rutkowski
Philadelphia
+1.215.564.8910
Partner
Chad A. Rutkowski
Partner Philadelphia
Tucker Sarchio
Los Angeles
+1.310.979.8494
Associate
Tucker Sarchio
Associate Los Angeles
Whitney Q. Schneider-White
Washington, D.C.
+1.202.861.1739
Associate
Whitney Q. Schneider-White
Associate Washington, D.C.
Elizabeth A. Scully
Washington, D.C.
+1.202.861.1698
Partner
Elizabeth A. Scully
Partner Washington, D.C.
Jordan Sinclair Senior
Houston
+1.713.646.1305
Associate
Jordan Sinclair Senior
Associate Houston
Jeewon K. Serrato
San Francisco
+1.415.659.2620
Partner
Jeewon K. Serrato
Partner San Francisco
Lynn Sessions
Houston
+1.713.646.1352
Partner
Lynn Sessions
Partner Houston
Randal M. Shaheen
Washington, D.C.
+1.202.861.1521
Partner
Randal M. Shaheen
Partner Washington, D.C.
James A. Sherer
New York
+1.212.589.4279
Partner
James A. Sherer
Partner New York
David Sherman
Philadelphia
+1.215.564.8380
Partner
David Sherman
Partner Philadelphia
Douglas L. Shively
Cleveland / Chicago
+1.216.861.6486 / +1.312.416.6200
Partner
Douglas L. Shively
Partner Cleveland
Julie Singer Brady
Orlando
+1.407.649.4832
Partner
Julie Singer Brady
Partner Orlando
James A. Slater
Cleveland
+1.216.861.7885
Partner
James A. Slater
Partner Cleveland
Mark E. Smith
Houston
+1.713.646.1385
Partner
Mark E. Smith
Partner Houston
Nichole L. Sterling
New York
+1.212.589.4282
Associate
Nichole L. Sterling
Associate New York
Vaughn Stupart
Cincinnati
Associate
Vaughn Stupart
Associate Cincinnati
Timothy M. Swan
Cincinnati
+1.513.929.3405
Partner
Timothy M. Swan
Partner Cincinnati
Sammantha J. Tillotson
Denver
+1.303.764.4053
Associate
Sammantha J. Tillotson
Associate Denver
Erika Vela
Houston
+1.713.646.1328
Associate
Erika Vela
Associate Houston
Monica S. Verma
Cleveland
+1.216.861.7370
Partner
Monica S. Verma
Partner Cleveland
Aleksandra Vold
Chicago
+1.312.416.6249
Partner
Aleksandra Vold
Partner Chicago
Benjamin D. Wanger
Philadelphia
+1.215.564.1601
Counsel
Benjamin D. Wanger
Counsel Philadelphia
Daniel R. Warren
Cleveland / Chicago
+1.216.861.7145 / +1.312.416.8179
Partner
Daniel R. Warren
Partner Cleveland
Joanna F. Wasick
New York
+1.212.589.4635
Partner
Joanna F. Wasick
Partner New York
Elana Weinblatt
Philadelphia
+1.215.564.2097
Associate
Elana Weinblatt
Associate Philadelphia
Theresa M. Weisenberger
Atlanta
+1.404.256.6689
Partner
Theresa M. Weisenberger
Partner Atlanta
Christopher A. Wiech
Atlanta
+1.404.946.9814
Partner
Christopher A. Wiech
Partner Atlanta
Robert M. Wolin
Houston
+1.713.646.1327
Partner
Robert M. Wolin
Partner Houston
Brittany A. Yantis
Washington, D.C.
+1.202.861.1525
Associate
Brittany A. Yantis
Associate Washington, D.C.
Justin T. Yedor
Los Angeles
+1.310.979.8405
Associate
Justin T. Yedor
Associate Los Angeles
Daniel Yosef
Los Angeles
+1.310.979.8410
Associate
Daniel Yosef
Associate Los Angeles

Experience

  • The Advertising, Privacy Governance and Technology Transactions, Digital Risk and Cybersecurity teams provide seamless overall counseling to global consumer products and retailers, helping the companies navigate the supporting of advertising claims, evolving loyalty and subscription programs, and CCPA compliance. The coordination of such work has never been more important as companies grapple with how lawfully to collect, protect and use valuable consumer data.
  • We served as incident response and post-disclosure counsel for Marriott Hotels regarding the Starwood Hotels guest record security incident disclosed in 2018. We also are defending Marriott in multidistrict litigation against claims brought by individuals, banks and cities.
  • All seven of our teams have supported a multinational grocer, including advised on CCPA compliance, conducting an advertising and digital media boot camp, providing counsel regarding e-commerce and cybersecurity and handling legal issues related to the response, notification and litigation arising from a payment card security incident.
  • We advised a large specialized research and treatment center on healthcare compliance, including the use of de-identified protected health information for research purposes.
  • Multiple DADM Group teams combined to provide services to a multi-brand restaurant company with thousands of locations. Our work included data security incident response; incident response training and tabletop exercises; extensive technology contract negotiations to support integration of new brands into the multi-brand concept; guidance regarding implementation of secure payment technology and mobile payment applications; and acquisition-related due diligence and security assessments.
  • We represent an alliance of multinational corporations in connection with a partnership with IBM Watson Health and other analytics providers. This partnership harnesses the power of IBM’s artificial intelligence capabilities and other provider services through the collection and analysis of health data to improve health outcomes for employees and to reduce healthcare costs for member companies.
  • Our Digital Risk Class Action and Litigation team defeated certification of a putative class action brought against a large regional discount retailer on behalf of banks that issued payment cards affected by the retailer’s 2015 data breach. The plaintiffs attempted to certify a class of about 2,500 banks, arguing that the retailer was negligent in its failure to maintain adequate cybersecurity, leading to damages including actual fraud losses, card reissuance costs and lost revenue from the potential compromise of more than 1 million payment cards. Through significant fact discovery, the team developed a solid factual record to oppose class certification.
  • We advised an international fast food chain regarding the use of a new blockchain tool to tokenize and distribute sensitive data, including an analysis of the technology against laws providing safe harbors for encryption in the event of a security incident.

Recognition

  • Selected as a 2020-2021 “Pacesetter” in Cybersecurity Services by ALM Intelligence Pacesetter Research
  • BTI Powerhouse for Cybersecurity Litigation (2022)
  • BTI Cybersecurity Powerhouse (2020)
  • BTI CyberSavvy Law Firm (2020)
  • Chambers Global
    • Privacy & Data Security: The Elite (USA) (2022)
    • Privacy & Data Security (USA) (2014 to 2021)
    • Privacy & Data Security: Healthcare Spotlight Table – Nationwide (2018 to 2022)
  • Chambers Fintech
    • Legal – USA (2018 to 2022)
  • Chambers USA
    • Advertising: NAD Proceedings – Nationwide (2022)
    • Advertising: Transactional & Regulatory – Nationwide (2018 to 2022)
    • Privacy & Data Security: The Elite – Nationwide (2021-2022)
    • Privacy & Data Security – Nationwide (2013 to 2020)
    • Privacy & Data Security: Healthcare Spotlight Table – Nationwide (2018 to 2022)
  • Chambers USA Award: “Privacy & Data Security Team of the Year” finalist (2015, 2017)
  • The Legal 500 United States
    • Media, Technology and Telecoms: Advertising and Marketing: Transactional and Regulatory (2018 to 2022)
    • Media, Technology and Telecoms: Cyber law (including data privacy and data protection) (2021-2022)
    • Media, Technology and Telecoms: Cyber Law (2016 to 2020)
    • Media, Technology and Telecoms: Data Privacy and Data Protection (2016 to 2020)
  • Law360: Privacy "Practice Group of the Year" (2013 to 2015, 2018)
  • Selected for Vault’s Guide to Legal Practice Areas
    • Privacy and Data Security (2017 to 2021)

News

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Proposed Federal Crypto Legislation Supported by Digital Asset Ecosystem; Consumer Advocacy Groups Balk
By Kevin R. Edgar, Teresa Goody Guillén, Nicholas C. Mowbray, Veronica Reynolds, Michelle N. Tanney
June 15, 2022
On June 7, Senators Cynthia Lummis (R-WY) and Kirsten Gillibrand (D-NY) introduced S. 4356, the Responsible Financial Innovation Act (Lummis-Gillibrand Bill). If enacted, the legislation would create a regulatory framework for federal...
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