AJ S. Dhaliwal

AJ Dhaliwal is a partner in the Washington D.C. office of Sheppard LLP and co-leads the firm’s Consumer Finance and Fintech practice and Blockchain and Fintech team. He advises banks, fintech companies, mortgage lenders, and financial institutions on regulatory compliance, licensing, and complex transactions across the consumer finance and payments sectors. Dhaliwal regularly counsels clients on bank–fintech partnerships, lending and servicing models, money transmission and payments regulation, digital assets, and emerging financial technologies, including artificial intelligence. His practice frequently involves helping companies navigate evolving federal and state regulatory frameworks and structuring innovative financial products in a compliant manner. He works with clients across the financial services ecosystem to develop and launch new financial products, address regulatory examinations and enforcement matters, and manage multistate licensing strategies for lending, payments, and digital asset activities.