Partner
Ben is a consumer finance expert and is ranked in both Chambers and Partners and Legal 500.
He advises banks, monoline lenders, BNPL providers, funders and FinTechs on all aspects of regulated credit and associated conduct of business requirements.
Ben provides advice to clients on structuring and bringing new and innovative products to market, drafts regulated product terms and notices for loans, credit cards and hire purchase, and advises on complex remediation projects. He also helps unregulated clients through the FCA authorisation process.
He has a particular interest and focus on green finance and is part of industry working groups looking at regulatory reform relating to green finance.
In addition to acting for clients in the financial services sector, Ben also has experience of acting for clients in the retail and consumer goods and the leisure, food and drink sector.
Jurisdiction: England & Wales
Experience
- Advising a bank on remediation in relation to its personal loan portfolio.
- Advising a funder on the regulatory and legal compliance of a CCA regulated lender.
- Advising a BNPL lender on forthcoming regulatory change relating to deferred payment credit.
- Drafting product terms and notices for an innovative running-account credit product.
- Coordinating and managing cross-border surveys for multiple regulated clients.
Related sectors
Financial Services
Building society lawyers, UK-wide
Banking lawyers - commercial, retail, private, clearing and digital-only banks
Fintech
Specialist Lenders Lawyers - acting for specialist mortgage lenders, pay day lenders, peer-to peer lenders
Related services
Banking & Finance
Financial services risk and compliance
Financial Services Regulatory
Regulatory
Asset based lending
Regulatory advice
Regulatory applications support
Consumer finance
Insights & events
UK withholding tax – a renewed risk focus for borrowers in cross-border financings
FCA formalises annual retail banking data reporting: what banks and building societies need to do now
The countdown begins: what cryptoasset firms must do now to secure FCA authorisation
UK Regulatory Initiatives Grid – May 2026: what financial services firms need to know now
HMT’s policy statement on Consumer Credit Act 1974 reform: Insights for a future-ready consumer credit regime
New operational incident reporting rules for banks and CRR firms: What you need to do before March 2027
New FCA operational incident reporting rules: What core or limited SMCR firms need to do now
New FCA rules on operational incident reporting: What enhanced SMCR firms need to know
New operational incident reporting rules for payment service providers: What you need to do before March 2027
Consumer Duty: from frameworks to outcomes – 12 priority focus areas for regulated firms
Why work-related stress is a health and safety issue
FCA consults on overhaul of consumer credit financial promotion rules
SFO secures £10m DPA – what this means for corporates
Crime and Policing Act 2026: Expansion of senior manager criminal liability
FCA Synthetic Data and Anti-Money Laundering project report: Key points for financial services firms
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the-fast-and-the-curious
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TLT acts for renewable energy developer on funding for two solar projects in Ireland
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tlt-acts-for-pollen-street-capital-on-acquisition-of-leonard-curtis
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tlt-partners-with-uk-finance-on-economic-abuse-reporttlt-strengthens-banking-team-with-recruitment-of-scottish-banking-heavyweighttlt-advises-renewable-energy-company-on-funding-partnershiptlt-hires-financial-services-regulation-heavyweight-to-supercharge-financial-services-offeringtlt-advises-financial-services-group-on-investment-by-swedish-wealth-management-advisers
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When good tax decisions go wrong: Governance, filing positions and HMRC scrutiny
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The fast and the curious: Empowering in-house lawyers to create business value
10 Key Points from the PSR Consultation APP Scams: Requiring reimbursement
European Access Plan: Your gateway to business in the EU
TLT Advises on Funding for Irish Solar Projects | TLT
TLT turbocharges UK-wide Banking team with high-profile partner hire
TLT acts for Pollen Street Capital on acquisition of Leonard Curtis
TLT continues growth of financial services regulatory team with appointment of new partner
TLT advises administrators appointed to rescue iconic Typhoo Tea
TLT acts for Agroberries in the acquisition of BerryWorld group
TLT advises Allied Irish Bank on completion of refinancing investment facility
TLT advises K3 Capital Group on acquisition of HMA Tax Limited
TLT highly commended for Litigation Team of the Year at The Lawyer Awards 2024
TLT partners with UK Finance on economic abuse report
TLT strengthens banking team with recruitment of Scottish banking heavyweight
TLT advises renewable energy company on funding partnership
TLT hires financial services regulation heavyweight to supercharge financial services offering
TLT advises financial services group on investment by Swedish wealth management advisers
TLT continues expansion of future energy team with appointment of regulatory expert
Views on fintech - interview with Niels Pedersen, MMU
The Future Fund - one month on | Scale-up insights episode eight
Scale-up Insights episode six - Employee incentives
When good tax decisions go wrong: Governance, filing positions and HMRC scrutiny - Webinar
International Fintech Case Study: Brexit Contract Migration | TLT
Document automation for in-house legal teams | Contract management
