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Lithic Legal Library: Free Legal Templates for Card Programs (Now with Commercial Card Templates)

Lithic Legal Library: Free Legal Templates for Card Programs (Now with Commercial Card Templates)

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The Lithic Legal Library is a free repository of legal and compliance templates based on best practices for card programs. The library is open and free for all companies to use and includes templates for key policies, agreements, and disclosures.

Every fintech doing business in the U.S. should have access to quality legal and compliance documents. Legal documents aren’t business differentiators and shouldn’t be treated as intellectual property or trade secrets.

We believe making these documents publicly available strengthens the entire fintech community.

New December 2023: Free Commercial Card Templates 

We’ve seen impressive innovation this year from commercial cards and were eager to add templates that would support innovators exploring new commercial card products. 

To that end, we’ve added more free templates to our Lithic Legal Library: 

  • Commercial Prepaid Card Agreement 
  • Commercial Charge Card Agreement

We’ve also updated our existing documents based on your feedback to make our templates more robust and comprehensive.

Visit our Legal Library to access the templates.

What forms does the library include?

The Lithic Legal Library currently hosts 17 documents.


  • Anti-Money Laundering & Sanctions Policy
  • Complaint Handling Policy
  • Chargebacks and Disputes Policy
  • Fair Lending Policy
  • Marketing Policy
  • Red Flags Policy
  • Servicing and Collections Policy
  • Privacy Policy
  • UDAAP Policy

Card Holder and User Agreements

  • Commercial Charge Cardholder Agreement - New Dec 2023
  • Commercial Prepaid Cardholder Agreement - New Dec 2023
  • Consumer Prepaid Cardholder Agreement - Updated Dec 2023
  • Authorized User Agreement - Updated Dec 2023
  • Long-form Consumer Prepaid Fee Disclosures
  • Short-form Consumer Prepaid Fee Disclosures - New Dec 2023

Ancillary Document Forms

  • E-SIGN Agreement
  • ACH Authorization

We plan to keep expanding the collection to cover more key policies that U.S. bank sponsors expect fintechs to have in place before launching new products. 

To get notified about future updates to our legal library, make sure you sign for our product newsletter at the end of this page. 

Why we launched Lithic’s Legal Library

We’ve been in your shoes before. New to cards, payments, or lending. Needing to master a steep learning curve, and not sure where to start. When we built we had to figure it out the hard way. APIs and cloud hosting weren’t readily available. Neither were basics like compliance guides, policies, and procedures, or cardholder agreements.

Inspired by Y Combinator’s library for standard SAFE agreements, we set out to do the same for the fintech industry. Our goals for this library are to:

  • Help companies launch more quickly.
  • Commoditize paperwork that doesn’t have any proprietary or strategic advantages.
  • Set the bar for what good legal forms look like.

Anything you pull from our library should get your legal and compliance program a B- range grade with minimal adaptation, and you can get to an A+ grade range with some additional effort and tailoring.

Many of these templates are based on our own in-house documents that we developed for, and have been pressure tested by our in-house compliance experts and bank partners.

How to use the legal library

To help you get the most out of the templates, we’ve added guidance in our documentation and included footnotes and prompts within each of the templates.

Since this is coming in part from our legal team, we feel compelled to remind you that each company and product has unique considerations and these forms are not designed to replace specific legal advice.

We encourage you to have your own lawyer or compliance consultants review these templates to determine how you may need to tailor them.

Check out the full library here.