Richard Humphreys Partner

Photograph of Richard Humphreys

Contact Details

Specialising in CCA compliance and FCA regulatory advice, Richard is a partner in Blake Morgan's Banking and Finance team.  

Main areas of practice

Richard has specialised in financial services work for more than 25 years with particular experience in advising equipment finance lessors and motor vehicle financers. 

Richard's background as a financial services litigator informs his advice to clients on the full range of compliance and regulatory issues for financial service companies. In recent years he has continued to supervise Blake Morgan's defended financial services litigation team, but spends most of his time advising clients on non-contentious issues, particularly the recent changes to FCA regulation to incorporate CCA funders.

Richard has since 2004 been a member of the Finance and Leasing Association's working parties dealing with all the recent major reforms of CCA regulation.

Clients

His clients cover the full range of FCA authorised financial organisations including banks, finance companies and manufacturers/retailers.

Significant experience

  • Financial services compliance (including CCA, DPA and AML)
  • FCA authorisation and regulatory advice
  • Leasing and HP documentation
  • Commercial funding documentation (eg. broker agreements, BDA's, Agency and managed portfolio Services)

Expertise

Richard’s Blog

Senior Managers Regime: FCA Publishes Final Guidance

The deadline for the extended SM&CR regime is fast approaching! All firms will be required to have fully implemented the new regime by 9 December 2019.

The FCA's Interim Permission Regime has been launched this week

We highlight the FCA's recently launched Interim Permission Regime.

FSA and Treasury consultation on regulation of consumer credit

We highlight the recently published consultations on consumer credit regulation.

Articles by Richard

FCA Motor Finance Report - Final Findings

Article

The long awaited final part of the FCA's review of the motor finance sector has arrived; are there any nasty surprises lurking for the industry to be worried about?

Court of Appeal rules on long running argument

News

This little grenade from the Court of Appeal seems to resolve the long running argument but is it just a procedural requirement or a fundamental legal precursor to any subsequent action on the part of the funder?

City AM

News

Credit card fee ban: UK firms outlawed from passing charges onto customers thanks to EU directive

Related Knowledge & Resources

Corporate Governance Regulations: are you ready to report?

New Corporate Governance rules from January this year affect not just quoted companies, but companies with more than 250 employees, with an increased requirement for directors to report on on a variety of matters.

FCA Motor Finance Report - Final Findings

The long awaited final part of the FCA's review of the motor finance sector has arrived; are there any nasty surprises lurking for the industry to be worried about?

Online platforms and regulation - too successful for their own good? Why the EU's proposed regulation of platforms will apply in the UK regardless of Brexit

Our expert Simon Stokes looks at why the EU's proposed regulation of platforms will apply in the UK regardless of Brexit

Guide: Our workplace mediation service

Do you have conflict in the workplace that takes up your valuable time and has a damaging effect on team performance?

PSD2 – Are you Ready?

With the clock ticking, and just over a month until the changes to the regulation of payment services and e-money come into force, the revised regime will see a significant change to the way in which payment services and e-money are regulated.

A Guide to Civil Penalties for Landlords

Nationwide (England) from 1 February 2016