Margo Tank is the Global Co-Chair of DLA Piper’s Financial Services Sector, and Co-Chair of the Blockchain & Digital Assets group. With over 25 years of experience, she advises financial institutions, commercial enterprises, Fintechs, and technology companies/platforms on the full spectrum of regulatory, compliance and enforcement matters related to the use of technology solutions such as electronic signatures and records, smart contracts, blockchain, embedded finance, opening banking and other means to conduct financial services and other business online in compliance state and federal US laws such as the US Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA), and on a global basis. She also advises on the various laws enabling digital assets, such as carbon credits, electronic chattel paper, and controllable electronic records, under the Uniform Commercial Code (UCC) Articles 8, 9 and 12.

Margo also advises on laws enabling money transmission and remittances, including virtual currencies and stablecoins, and other emerging payments mechanisms. She also advises on matters related to privacy and data security, including under the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and on other consumer protection laws, such as the Electronic Funds Transfer Act (EFTA) and federal and state unfair and deceptive acts and practices (UDAP/UDAAP) laws.

Margo began her legal career as counsel to the US House of Representatives, Committee on Banking and Financial Services. An early advocate for the financial services industry’s acceptance and implementation of electronic signatures, she served as counsel to the Electronic Financial Services Council and assisted the group draft and lobby for the federal ESIGN Act and is currently counsel to the Electronic Signature and Records Association, where she works to further electronic financial services policy before Congress and federal regulators. She also is counsel and co-reporter for “Standards and Procedures for Electronic Records and Signatures (SPeRS).” She is a member of the American Bar Association’s Business Law Section and the Committee on the Law of Commerce in Cyberspace. She is also on the xDTM Standard Board of Governors and is a legal member participant in the Digital Chamber of Commerce and the Global Digital Finance group.

Margo is ranked in the 2019 through 2024 editions of Chambers Fintech Legal and was named to the National Law Journal’s list of Technology Trailblazers. She continues to be ranked in The Legal 500 United States for Fintech, and she is a member of the 2024 Fintech editorial board for Law360. She has written books, articles and surveys on electronic signatures, smart contracts, virtual currency, privacy, financial services websites and mobile apps and more. She co-authored eight editions of Thomson Reuter’s “The Law of Electronic Signatures and Records” (2012 – 2021) and three editions of “Standards and Procedures for Electronic Signatures and Records,” a compilation of guidelines, procedures, checklists and strategies for developing systems to create, deliver, sign, manage and transfer legally enforceable electronic records and signatures in commercial and consumer transactions.

Other notable publications include Chambers Fintech 2024 Global Practice Guide – USA Contributor; Enabled by Lenders, Embraced by Borrowers, Enforced by the Courts: What You Need to Know About eNotes, MERSCORP Holdings, Inc. (2018); Smart Contracts – 12 Use Cases for Business & Beyond – A Technology, Legal & Regulatory Introduction, Digital Chamber of Commerce in collaboration with Deloitte (2016); Electronic Retail Installment Sales Contract in California, The Review of Banking & Financial Services, Vol. 33 No. 12 (2017).