David L. Beam

Fintech, Financial Services Regulatory & Enforcement

David Beam is . . . known for his expertise in handling digital payment regulatory matters and for his counsel to a number of large financial institutions, often handling licensing and product structuring matters. . . Clients say: "David knows the space inside out. He is a really solid negotiator - he not only has the sort of assertiveness that you need and the ability to be a hired gun, but he also has tremendous competence and experience around how these agreements come together. His memory is prodigious. He remembers where you have been, what changes have been in your position, and is able to use that skill very effectively for us."
Chambers Fintech 2021


David Beam is a partner in Mayer Brown’s Washington, DC office. He is a co-leader of the firmwide Fintech practice, and member of the Financial Services Regulatory & Enforcement group. David's practice focuses on payment systems and credit products, with an emphasis on legal issues that arise from the innovative use of technology in financial services.


  • Represented American Express in connection with the restructuring of its reloadable prepaid and gift card products business, which included the sale to InComm of the Serve technology platform and other assets related to the American Express business, together with the appointment of InComm as the program manager, issuer processor, and exclusive distributor of American Express prepaid reloadable and gift card products.
  • Advised numerous clients in connection with examinations and supervisory proceedings by federal and state financial regulators, including the Consumer Financial Protection Bureau and the Federal Reserve Board.
  • Represented a credit card company being investigated by the FDIC for its practices related to add on products.
  • Defended numerous companies being investigated for operating as unlicensed money services businesses by state financial regulators.


  • Emory University, BA
  • University of Maine School of Law, JD, magna cum laude
    Articles editor, Law Review


  • District of Columbia


  • ABA Consumer Financial Services Committee (chair, Preemption and Federalism Subcommittee)