
New Comprehensive Anti-Money Laundering Law in Guatemala: What Fintech Companies Need to Know
On April 14, 2026, Bill 6593 passed its third reading. It contains the Comprehensive Law Against...

“Melissa Moran has a strong grasp of the regulatory and legal aspects of financial matters, while remaining up to date with developments in the fintech sector.”
Melissa is a Partner at Consortium Legal – Guatemala with more than 21 years of professional experience advising local and international clients in the banking, finance, corporate, and M&A sectors. She has developed her practice in industries such as banking, agriculture, manufacturing, and financial services, providing strategic guidance in both domestic and cross-border transactions.
Her expertise includes syndicated loans, international debt issuances, project finance, securitizations, corporate restructurings, and financial institution authorizations, as well as proceedings before the Superintendency of Banks. She frequently structures and negotiates transactions under Guatemalan and New York law, ensuring compliance and efficient execution for investors, funds, and financial institutions.
Melissa also advises on financial innovation and technology, including fintech and insurance, helping clients adapt to evolving regulatory frameworks and implement forward-looking financial structures. Her ability to combine legal insight with business strategy has positioned her as a trusted advisor in high-impact financial and corporate matters in the region.
Member, Guatemala Bar Association
Diagonal 6 11-10 zona 10 Edificio Diago6, nivel 10. Oficina 1001


On April 14, 2026, Bill 6593 passed its third reading. It contains the Comprehensive Law Against...

On October 31, 2019, the National Financial Inclusion Strategy (ENIF) was established as a joint initiative...

In Guatemala, there is currently no specific legislation or regulation applicable to Fintech. However, due to...
By: Melissa Morán The promissory note is a credit instrument that entails an unconditional promise to...
By: Melissa Morán The promissory note is a credit instrument that entails an unconditional promise to...
By: Melissa Morán Electronic wallets or e-wallets are defined as a technological tool through which currencies...