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Overview

The fintech sector is driven by constantly evolving technology and a complex web of global regulation. Our fintech lawyers have the legal expertise and sector insight to help you launch, fund and grow your business.

Our fintech law experts specialise in business models involving innovative technologies – from payment services and cryptocurrencies, to crowdfunding, regtech, big data analytics and credit scoring. We also have a deep understanding of the regulation affecting the sector and help businesses to ensure compliance.

We build our service around each client. With expert knowledge in a range of disciplines, we understand the legal and commercial challenges faced by businesses in the sector. From advice on funding and intellectual property to data protection and tax, we deliver the right solutions to our clients on all aspects of fintech law.

Our clients range from global financial institutions to young entrepreneurial technology companies, including start-ups and family businesses.

Areas of focus

Our fintech law expertise includes the following:

  • Structuring advice to optimise investment opportunities and tax efficiency.
  • Capital raising, venture finance and the associated tax implications (EIS/SEIS, entrepreneur’s relief, research and development tax credits, patent box and employee share schemes).
  • Advice on regulatory and compliance issues.
  • Drafting terms and conditions, contracts and licence agreements.
  • Advice on data security, compliance with data protection and drafting privacy policies.
  • Protecting intellectual property rights and brand.
Experience

Assisting StrideUp, an innovative home finance startup, on its mission to empower new generations with the same opportunity of homeownership and the financial security it brings. Our work with the StrideUp team involved regulatory and corporate structuring, and subsequent real estate and conveyancing work.

Advising a fully-backed non-EU digital banking start-up on the UK regulatory authorisation applications from initial e-money authorisation to full banking license under the mobilisation route, as well as on corporate, commercial and real estate requirements.

Advising a shared ownership home fund on fund structuring, fund documentation and regulatory compliance with AIFMD and UK regulation.

Assisting the Financial Conduct Authority with the regtech call for input and hosting regtech roundtable with various stakeholders to shape development of the regtech sector.

Advising Resonance Impact Investment Limited on the launch of one of the UK's first social investment tax relief (SITR) fund, including regulatory advice resulting in successful lobbying to change the financial promotion regime.

Undertaking the review and “plain English” rewrite of the platform terms for a major new technology implementation for a platform provider, including advising on regulatory compliance.

Advising Nationwide on the provision of merchant acquirer and credit card payment processing services by TSYS.

Advising a leading financial services company in relation to various commercial agreements with bank sponsors, card providers and payment schemes and on regulatory compliance in respect of payment services, e-money and consumer credit activities.

Advising Honda Finance Europe on the selection and implementation of a new technology system utilising a French prime integrator and supporting over £400 million of annual finance transactions across France, Germany, Italy, Spain, and the UK.

Advising Thomson Reuters on its global vendor optimisation programme including FinTech partnerships in Asia and the Americas.

Advising AppDynamics, Inc on financial technology licences together with support and maintenance contracts with customers including Legal and General, Barclays, Lloyds and BSkyB.

Advising on drafting terms of business for FX brokerage services and advising on regulatory compliance.

Advising various lenders and funds including Octopus Investments on the process to become FCA authorised for consumer credit lending, including reviewing application forms, FCA-required policies and procedures, suites of lending documentation and ancillary statements and notices.

Meet the team
Adrian Shedden

Adrian Shedden Senior Associate

  • Head of Fintech
  • Head of Regulated Lending
  • Financial Services
Roger Bull

Roger Bull Partner

  • Head of Employment
  • Employment Disputes
  • Strategic HR Projects
Andrew Dunlop

Andrew Dunlop Partner

  • Head of Outsourcing
  • Head of Technology
  • Head of Data Protection
Tom Dunn

Tom Dunn Partner

  • Head of Funds and Financial Regulation
  • Regulated Funds
  • Financial Services
Chris Godfrey

Chris Godfrey Partner

  • Corporate
  • Funds and Asset Management
  • Financial Services
Richard Leeming

Richard Leeming Partner

  • Banking and Trade Finance
  • Derivatives, Debt Capital Markets and Securitisations
  • Real Estate Finance

What others say...

You and your team are always like an extension of our in-house team – you make an effort to know our business inside-out and we benefit from the tremendous commercial oversight your practice has.

Head of Legal, leading financial services provider

Key contact

Adrian Shedden

Adrian Shedden Senior Associate

  • Head of Fintech
  • Head of Regulated Lending
  • Financial Services

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