Fidelity National Information Services Inc was incorporated under the laws of the State of Georgia. It is a provider of banking and payments technologies, complemented by strategic consulting services, professional services and outsourcing services. Through its Capco brand, the company deliver globally a wide range of information technology consulting and transformational services to financial institutions. Its services includes integrated consulting services, integrated core banking and payment solutions, mobile banking solutions, item processing services, card issuer services, risk management solutions, electronic loan amendment applications and services, electronic funds transfer (EFT) services, and prepaid/gift card processing for community banks, credit unions, and other financial institutions. Many of these solutions are also sold to domestic companies, global organizations and companies domiciled outside of North America. The Company has four operational segment: Financial Solutions Group (FSG); Payment Solutions Group (PSG); International Solutions Group (ISG); and Corporate and Other. The Company also provides strategic consulting services that help financial institutions define and manage their technology strategies and projects. The focus of FSG is to provide comprehensive services and software to satisfy the technology, processing and outsourcing needs of its financial institution customers in North America. The Company service the core and related ancillary processing needs of North American banks, credit unions, automotive financial companies, commercial lenders, and independent community and savings institutions. PSG provides a comprehensive set of services and software for the EFT, card processing, item processing, bill payment, and government payments processing needs of its customers in North America. ISG provides local services to its customers in more than 100 countries around the world. The services delivered by FIS in these locations include many of the same financial and payments solutions it offers in North America. The Company provides core banking applications, channel solutions, card and merchant services, custodial services, item processing and check risk management solutions to financial institutions, card issuers and retailers. The Corporate and Other segment consists of the corporate overhead costs that are not allocated to operating segments. These include costs related to human resources, legal, risk management, information security, internal audit, finance and accounting and domestic sales and marketing, amortization of acquisition-related intangibles and other costs that are not considered when management evaluates operating segment performance. Specific competitors for both financial and payment solutions include Fiserv, Inc. and Jack Henry and Associates, Inc. In the core processing market, the Company also competes with International Business Machines Corporation (IBM), Accenture Ltd., Alliance Data Systems Corporation, DST Systems, Harland Financial Solutions, Inc., SEI Investments Company. The Companys services are subject to a broad range of complex federal, state, and foreign regulation, including federal truth-in-lending and truth-in-savings rules, Regulation AA (Unfair or Deceptive Acts or Practices), privacy laws, usury laws, the Equal Credit Opportunity Act, the Electronic Funds Transfer Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Bank Secrecy Act, the USA Patriot Act, the Internal Revenue Code, the Employee Retirement Income Security Act, the Health Insurance Portability and Accountability Act, the Community Reinvestment Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act").