Bradley O. Cebeci
Senior Attorney

areas of expertise
  • Payments
  • Digital Marketing
  • Cybersecurity / Data Privacy
  • Federal Trade Commission
education
  • JD, UCLA School of Law
  • BA with Honors, Literary Theory, University of Pennsylvania

Brad is a Senior Attorney with Rome and Associates.

Payments Law

Brad has focused his practice on credit card processing and payments law for more than 15 years.

Brad understands the regulatory and business challenges facing acquiring banks, processors, and independent sales organizations (ISO), and the key role of emerging technology in driving the industry forward. Brad also has an intimate familiarity with Visa and Mastercard Rules.

Brad drafts, revises, reviews, interprets and helps to enforce merchant and service provider agreements for acquirers, payment facilitators (PF), ISOs, and independent contractor sales agents, ensuring full compliance with the rules and building in maximum protection for his clients with a trained eye toward issues such as reserves handling, security interests, residual rights and portfolio portability.

Brad has helped high-risk merchants to recover millions in wrongfully withheld reserves and settlement funds from acquiring banks, and millions more from bogus processors offering fraudulent payment solutions that depend on illegal factoring and aggregating schemes.

Brad has helped countless other merchants to effectuate their removal from the Member Alert to Control High-risk (MATCH) list / Terminated Merchant File (TMF).

Brad routinely assists Cannabis, CBD, and Kratom merchants to vet payment solutions, including staged digital wallets and virtual currency products.

Digital Marketing

Brad also focuses his practice on the laws, regulations and policies governing ecommerce.

Brad has extensive experience in evaluating advertising claims, marketing and billing practices, and the collection, use and protection of consumer data for compliance with federal and California law, including the Federal Trade Commission (FTC) Act, Telemarketing Sales Rule (TSR), Telephone Consumer Protection Act (TCPA), Restore Online Shoppers Confidence Act (ROSCA), Children’s Online Privacy Protection Act (COPPA), California Automatic Renewal Law, and the California Consumer Protection Act (CCPA).

He regularly counsels digital marketers to help them navigate a dynamic online media environment that becomes more heavily regulated every day—preparing opinion letters, performing advertising claims and billing practices reviews, and auditing and drafting terms of service, billing disclosures and privacy policies to ensure their compliance with these laws.

Brad has also represented numerous payments and marketing clients in responding to Civil Investigative Demands (CID), and settling regulatory actions by the Federal Trade Commission (FTC) on favorable terms.

Brad is admitted to practice in the State and Federal Courts of California.

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