Specialist financial services lawyers

Providing expert regulatory and compliance advice

Financial services are subject to strict regulation and compliance with effective legal advice needed to ensure requirements are met. Our expertise in advising on a wide range of financial services and products includes assisting firms through the Financial Conduct Authority (FCA) authorisation, variation of permission and individual approval processes, product design and marketing, commercial arrangements and FCA Handbook requirements.

Our financial services lawyers advise in depth on consumer credit issues, including authorisation, financial promotion, standard documentation for all types of funding including loans, leases and HP arrangements, post-contract documentation, breaches/enforceability issues together with wider commercial advice. We also provide our finance clients with advice and documentation on other compliance issues that affect their activities, including data protection, anti-money laundering and bribery/corruption legislation.

Arrange a call

Main Areas Of Practice

Our team of financial services lawyers are highly experienced in dealing with the variety of regulatory and compliance issues including:

Perimeter Advice

It is important for a business to understand whether it activities would bring them within the regulatory regime or whether it is possible to structure its affairs so that authorisation is not needed. Getting this wrong can have serious consequences both financially and in terms reputation. We advise businesses on a wide range of issues including regulated activities and financial promotions issues both in relation to a business's day to day activities or when fund raising; whether arrangements constitute collective investment schemes; what constitutes an insurance contract; and whether a business's activities are carried on "by way of business".

FCA Authorisation / Variation of Permissions / Individual approval

Getting authorised can be a lengthy process. Spending the time up front can ensure that the application proceeds smoothly, reducing the number of follow up enquiries from the regulator. We have helped a wide range of businesses through the FCA's authorisation and variation of permission processes including insurers; investment firms; consumer credit firms; payment providers; e money issuers and credit reference agencies. We also advise individuals on approvals and other associated notifications.

Regulatory Rules and Guidance

Setting yourself up correctly can save time further down the line. A key focus of the regulators is on policies and procedures and systems and controls, along with the requirements under the senior managers regime. We have a detailed practical understanding of the regulators rules and guidance and are able to assist firms in ensuring compliance with the regulatory requirements that apply to their businesses.

Dealing with customers

Treating customers fairly applies throughout a firm's relationship with its clients. As a financial services law firm, we are able to assist clients in implementing and embedding Treating Customers Fairly and complaints policies and procedures along with providing important training in these areas.

Interacting with Regulators

Whether it's making an adverse disclosure, dealing with the regulator in relation to a supervisory or enforcement initial enquiry, corresponding in relation to a full investigation, or other regulatory notification (i.e change in controller), we advise firms how to approach their interaction with the regulators and represent firms who are under investigation.

Commercial Arrangements

We advise clients on a wide range of commercial arrangements including distribution, agency, credit broking and funding, IT and other regulatory outsourcing requirements, along with other regulatory arrangements i.e. appointed representative agreements.

Data Protection / Anti-Money Laundering / Anti Bribery / CCA Enforceability

Our financial services lawyers advise clients on the way in which these broader legislative environments impact on the financial services industry. We are able to draft and review policies in these key areas, as well as deliver training to our clients. We also advise clients how to deal with any issues of concern which may arise in these areas.


With ever increasing digital innovation the fintech space has gained significant momentum over the last few years in areas such as crowdfunding; e-payment platforms, e wallets, cryptocurrencies, digital banking, peer-to-peer lending and blockchain. The regime surrounding fintech is evolving and we are able to advise on matters including regulatory compliance, fund raising, consumer protection, and commercial contractual arrangements.

Investment funds

We advise fund managers on the structuring of funds, undertaking due diligence on funds on behalf of prospective investors, and advising management firms and individual managers on their compensation entitlements (e.g. carried interest).

Our Clients

Our team of financial services lawyers provide businesses and individuals regulated by the Prudential Regulation Authority and/or the FCA with regulatory and compliance advice.

"Felicity Rowan is very well informed and intelligent."
- Legal 500

"Felicity understands the regulator’s mindset and is exceptionally strong in the current FCA hot topic of retail, conduct, consumer credit regulation and culture."
- Legal 500

"Felicity Rowan has extensive knowledge of the retail financial services sector and the law and regulation applicable to that. Her solutions are robust from both a legal and commercial standpoint."
- Legal 500

"The team are user friendly, experienced and responsive."

"Richard Humphreys is a very proactive and commercially focused lawyer."

"Felicity Rowan is technically very good and solution orientated."

"They understand the complexities of our business, they are local and turn the work around within a relatively short time frame."

Supporting Documents

Financial Services Credentials Document

Our Experts



View Profile

BM Insights


"ESG", or Environment, Social and Governance is the latest acronym that all businesses now have to deal with. The decoding of the letters is the easy part, but what does...

Read More


Welcome to the Summer edition of Brief Banking Bites (BBB)! We are kicking off the summer in an optimistic mood and are excited to see what the Banking & Finance...

Read More


Let us say that you have begun proceedings against a supplier for breach of contract. Fortunately, you were advised by Blake Morgan and were successful in your claim. Now comes...

Read More


Sir Geoffrey Vos, Master of Rolls, has stated that every lawyer will require familiarity with the blockchain, smart legal contracts and cryptoassets. But in order to become familiar with a...

Read More


The Quincecare duty requires financial institutions to not follow a customer's payment instruction where there are reasonable grounds to believe that the payment is an attempt to misappropriate funds. Misappropriation...

Read More

An incorrect group life structure or an out of date scheme may result in unnecessary tax liabilities and cause delays to the payment of benefits.

Read More

Need Advice?
Call 0238 085 7047
Or Fill in The Form

Our Experts are here to help

  • Privacy Notice

    Blake Morgan Privacy Policy

    We do not use any enquiries to the [email protected] email address or any completed forms for marketing purposes.

  • This field is for validation purposes and should be left unchanged.

Change your cookie consent