EFT/ATM Law

Defending Legal Matters That Surround The ATM, EFT, & Check Cashing Industries
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EFT/ATM Attorney

The Electronic Funds Transfer (EFT) and Automated Teller Machine (ATM) industries are highly regulated sectors in the United States. Businesses operating in these fields must navigate a complex web of federal and state regulations to ensure compliance, protect consumer rights, and mitigate legal risk. Understanding EFT and ATM law is essential for Independent ATM Deployers (IADs), sponsoring banks, third-party service providers, and anyone involved in the management, processing, or maintenance of electronic financial transactions.


Jack Milford Ford specializes in navigating the legal complexities of the Electronic Funds Transfer (EFT) industry, particularly in the Automated Teller Machine (ATM) arena. With over twenty-three years of experience, Jack has become a trusted advisor on the intricate legal matters that surround the ATM, EFT, and check cashing industries. He has played an instrumental role in forming and organizing numerous IADs and third-party service providers. His expertise encompasses a wide array of transactions with IADs, sponsoring banks, ATM manufacturers, processors, service bureaus, armored carriers, and large technology companies.

Call JMFord Law Office at 971-459-0190 to schedule a consultation with a lawyer today.

areas of Experience

Jack’s extensive legal experience covers a broad range of critical areas, including:

  • Business Organization, Documentation, and Maintenance
  • Contract Negotiation, Review, and Preparation
  • ATM Processing Agreements and Variations
  • ATM Placement Agreements and Variations
  • ATM Offsite Owner Agreements and Variations
  • ATM Sponsorship Agreements
  • ATM Third Party Service Provider Agreements
  • ATM Cash Provider & Armored Carrier Agreements
  • Due Diligence and Review of Acquisition Targets and Portfolios
  • Regulatory Licensing Compliance, Including ADA Requirements for ATMs
  • Merger and Acquisition Documents
  • Working with Independent ATM Deployers (IAD)
  • Negotiating and Closing Transactions
  • Providing General and Corporate Counsel to Internal Departments
  • Collaborating with Sponsoring Banks
  • Representing Third Party Service Providers
  • Regulatory Compliance: Bank Security Act (BSA), Financial Crimes Enforcement Network (FinCEN), and Anti-Money Laundering (AML) regulations.

Stay Informed and Protected

Given the complexities of EFT and ATM law, businesses operating in these industries should seek the counsel of experienced attorneys who understand the intricacies of electronic financial transactions, regulatory compliance, and the unique challenges faced by Independent ATM Deployers (IADs) and other service providers. Whether you are an IAD, a sponsoring bank, or a third-party service provider, the right legal guidance can make a significant difference in navigating the complexities of this highly regulated industry.


For businesses operating within the ATM and EFT fields, Jack Milford Ford is a seasoned legal professional who offers unparalleled expertise and a deep understanding of the unique challenges and opportunities in these industries. As a long-standing member of the ATM Industry Association (ATMIA), Jack stays up-to-date with evolving regulations and industry trends, ensuring that his clients receive the most relevant and effective legal guidance. For businesses looking to mitigate risk, ensure compliance, and achieve sustainable growth, Jack Milford Ford is the strategic partner you need.

Contact Us Now

Have Questions?

Call JMFord Law Office at 971-459-0190 today to speak to an attorney.

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