James Black

James Black


Email [email protected]​hoganlovells.com

Phone +44 20 7296 5898

Fax +44 20 7296 2001

LanguagesEnglish, French

Practice groupGlobal Regulatory

‘James Black is incredibly knowledgeable, prompt in responses, crystal clear in comms and very impressive.’

Legal 500 (Fintech), 2022/23

James Black is an experienced partner in our Commercial and Retail Banking team, with particular knowledge of consumer credit, mortgages and payments regulation. He works with a number of major banks and payment service providers, including merchant acquirers, and related businesses.

James also advises clients in the FinTech industry, from start-ups to established players. He advises on the implications of regulatory requirements for all aspects of our clients' businesses, such as product design, implementation of new legislation, commercial deals like co-branding or outsourcing arrangements, and transfers of portfolios or businesses.

James has a particular interest in innovative payment solutions and P2P lending. As an example of the breadth of James' practice, he has recently been involved in the development and launch of a significant mobile payment product, reviewing and re-drafting customer terms and conditions for current account, savings and credit card products for two banks, and a mortgage portfolio acquisition. As well as his experience in private practice, James has spent time on secondment with both a retail bank and a wholesale bank and understands the challenges clients face in the regulated financial services sector.

Awards and recognitions


Key Lawyer
Legal 500 (Fintech)

Education and admissions


Legal Practice Course, Oxford Institute of Legal Practice, Oxford, 2004

PgDL, Nottingham Law School, 2003

BA Hons Modern Languages, University of Bristol, 2002

Representative experience

Advising on the development and launch of a significant mobile payment solution

Advising clients on the implementation of the Consumer Credit Directive.

Acting for a major commercial bank on a government card procurement contract.

Acting for a major commercial bank on a number of commercial and prepaid card distribution agreements.

Advising card issuers on co-branding agreements with retailers for the provision of credit and store cards to their customers.

Advising on regulatory issues relating to FSA/FCA investigations into banking and lending (and related) products.

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