Rachel advises financial institutions launching new products or operations, engaging with regulators and customers and dealing with regulatory issues as they arise.
Recent projects have covered issues relating to sector specific regulation, such as the Consumer Credit Act, the Payment Services Regulation, BCOBS, CONC and MCOB as well as the impact of unfair terms, consumer rights, data protection and AML regimes on the financial services sector.
Having advised a range of businesses in the banking and payments industry, including banks, lenders, retailers and payment innovators, she can bring commercial knowledge and experience to projects.
Rachel's work is often cross-border and she is adept at co-ordinating and delivering advice from multiple jurisdictions.
Areas of Focus
Drafting a full suite of mortgage documentation for a new-to-market mortgage lender.
Negotiating a commercial agreement on behalf of a high street bank in relation to a customer rewards programme.
Negotiating a mortgage purchase agreement and mortgage servicing agreement on behalf of a mortgage lender.
Advising on regulatory and structuring issues in relation to a new-to-market mobile wallet.
Advising an online retailer in relation to establishing a payments entity, including comparing the electronic money regime and the payment services regime.
Advising a card issuer in relation to a co-branding agreement.