Judy Mok > Ballard Spahr LLP > New York, United States > Lawyer Profile

Ballard Spahr LLP
NEW YORK, NY 10019-5820
United States
Judy Mok photo

Work Department

Business and Transactions


Of Counsel


Judy Mok has extensive experience negotiating complex payments transactions for some of the world’s largest retailers, financial institutions and businesses. Her practice is in the payments space, with a focus on strategic partnership arrangements. In particular, she has significant experience negotiating and drafting co-branded and private-label credit card agreements, payment network agreements, merchant agreements, servicing agreements, processing agreements, and portfolio purchase and sale agreements.

Judy also has advised clients in launching and marketing various business initiatives, including loyalty and rewards programs, e-commerce platforms, online lending programs, consumer payment systems, and mobile payment solutions.

Admissions: New York


Vice-Chair of Deposit Products and Payment Systems Subcommittee, American Bar Association Business Law Section, Consumer Financial Services Committee

Chair of Membership, American Bar Association Business Law Section, Consumer Financial Services Committee


Fordham University School of Law (J.D. 2007)

New York University (B.A., magna cum laude, 2004)

Lawyer Rankings

United States > Finance > Financial services regulation

Ballard Spahr LLP has a very broad practice across the consumer finance space. In addition to its work advising clients in traditional sectors such as mortgage lending, student loans and medical financing, the practice is frequently engaged by fintech clients as well as by companies using AI and ‘big data’. The team’s regulatory advice includes assisting clients in compliance with the Truth In Lending Act, the Equal Credit Opportunity Act, CFPB rules and state-level legislation such as the California Consumer Privacy Act. The practice is jointly led by Christopher Willis in Atlanta, and Mark Furletti and Daniel McKenna in Philadelphia. New York-based Judy Mok was promoted to partner in July 2021.

United States > Media, technology and telecoms > Fintech

Ballard Spahr LLP has established an extremely good reputation for banking, payments and financial services regulatory advice. The multi-disciplinary practice is especially good at defending clients against regulatory enforcement actions and investigations. On the transactional side it assists major banks in developing in-house products and relationships with technology companies. New York’s James Kim and Minneapolis-based partner Ronald Vaske jointly lead the fintech and payments team, which includes Washington DC-based privacy and data security partner Kim Phan. Philadelphia’s Peter Jaslow co-leads the blockchain technology and cryptocurrency group, while recently promoted New York partner Judy Mok is active in the payments arena. In Philadelphia, consumer financial services co-head Mark Furlettiknows everything that could be known about financial regulations’.