Hart Targan, Holli

  Southfield, Michigan, USA
 +1 248 351 3000
 +1 248 351 3082
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J.D., Wayne State University Law School, 1985


Professional Experience

Holli was admitted to practice law in Maryland in 1985; the District of Columbia in 1988; and Michigan in 1990. Holli is a member of the firm, and focuses her practice on electronic banking, bank regulatory, electronic commerce, and credit card processing law. Holli has served as Staff Attorney at the Office of the Comptroller of the Currency in Washington D.C., and as Staff Counsel to Michigan National Corporation.


Areas of Emphasis


Electronic Banking and Commerce

Holli counsels financial institutions and merchant-acquiring, electronic fund transfer, loyalty card, and electronic commerce businesses on contractual and regulatory matters. She counsels companies engaged in electronic commerce, negotiating, contracts and advising business on e-commerce jurisdictional issues and on state and Federal laws impacting businesses contracting over the Internet. She is a contributing author to, The 1999 Guide to Smart Cards and Stored Value.

As advisor to companies in the credit card processing industry internationally, Ms.Targan negotiates independent sales organization, BIN, agent bank, and association contracts, and handles troubled and bankrupt merchant matters, reducing merchant acquirers' risk of loss. She also handles merchant portfolio mergers and acquisitions, and represents companies before Visa and MasterCard.




Holli is a member of the Michigan, Maryland, and District of Columbia Bars, the Electronic Transactions Association, the National Association of Women Business Owners, and the American Bar Association, Business Law Section, Cyberspace Law Committee.

Holli has been consulted as an authority on electronic banking law for, and quoted in, Internet Compliance Alert, CardFax, Bank Network News, Debit Card News, ATM Magazine, and The Report on Home Banking. She appears in the 2000 Edition of Who's Who in American Law.




* "What's On Your Web Page?" Transaction Trends, March, 2000

* "Playing by the Rules in E-Commerce" Transaction Trends, Winter, 1999

* "Getting the Most Out of Processing for Agent Banks" Transaction Trends, Autumn, 1999

* "Tips for the Unwary: Protecting Against Merchant Bankruptcy" Transaction Trends, Summer, 1999

* ""Contracting Over the Internet" Transaction Trends, Spring, 1999

* "Protecting Your Business When the Salesperson Moves On" Transaction Trends, Winter, 1999

* "Chapter 4: Legal Issues" 1999 Guide to Smart Cards and Stored Value, Faulkner & Gray, 1998

* "Legal Roadblocks to Cashing In on ATMs" Transaction Trends, Summer, 1998

* "Getting Back to Basics: Performing Due Diligence" Transaction Trends, Spring, 1998

* "Get Smart: Protect Yourself with Smart Card Contracts" Crain’s Detroit Business, May 18, 1998

* "Paper Swords: Strong Merchant Contracts are Best Defense" Transaction Trends, Winter, 1998

* "Chapter 4: Legal Issues and Stored Value Systems" 1998 Guide to Smart Cards and Stored Value, Faulkner & Gray, 1997

* "Seven Ways to Tailor Your ISO Agreements" Transaction Trends, Autumn, 1997

* "Beyond the Multiple: Other Critical Terms to Consider When Selling Your Merchant Portfolio" Transaction Trends, Summer, 1997

* "Who is Liable for Smart Card Transactions?" Michigan Banker, June, 1997

* "Surcharge At Your Own Risk," Financial Service Online, May, 1997

* "There’s Nothing Dumb About Smart Card Contracts," The American Banker, January 29, 1997

* "Navigating the Legal Minefields of On-Line Investments," Financial Service Online, July/August, 1996

* "Before Signing On That Dotted Line," Financial Service Online, January/February, 1996

* "Let the Caller Beware: Telephone Sales Rules Are Changing," BSA Member News, July, 1995

* "If Vendor Doesn't Measure Up, Keep On Fishing for Another," The American Banker, May 25, 1995

* "Six Ways to Tailor Your ISO Agreements," BSA News, April, 1995

* "In Merchant Processing Contracts, One Size Doesn't Fit All," The American Banker, February 10, 1995

* "A Brave New World of Banking Law Enforcement," The Florida Bar Journal, April, 1990


Speaking Engagements


* "The ISO/Bank Relationship" Northeast Acquirers' Association, May, 2000

* "Federal and State Electronic Commerce Laws" State Bar of Michigan Annual Meeting, September, 1999

* "Recent Developments in Electronic Fund Transfer Legal Issues" NYCE Electronic Delivery Conference, April, 1999

* "Internet Privacy" Michigan Bar Association Computer Law Section, May, 1998

* "On-Line Brokerage Legal Issues" Home Banking Forum, May, 1998

* "Electronic Banking and the Internet: Legal Aspects of the Electronic Delivery of Banking Services" 18th Annual Financial Institutions Conference, University of Kentucky/Kentucky Bankers Association, April, 1998

* "Smart Card Legal Issues" Electronic Delivery of Financial Services, State Bar of California, September, 1997.

* "Regulation of Stored Value Cards: Clarifying the Confusion" Debit Card Forum, March, 1997



Wayne State University Law School, cum laude, 1985, Associate Editor, The Wayne Law Review

Michigan State University, James Madison College, B.A., 1982.

Community Involvement

B’nai B’rith Youth Organization, Michigan Region, Vice Chairman. Prior positions held include Secretary and member, Board of Directors.