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
FCA AML supervision reform: what law firms, accountants and TCSPs need to do now
FCA money mules review: closing accounts is not enough
FCA Pure Protection Market Study: what firms need to know
FCA Pure Protection Market Study: Fair value findings - what firms need to do
The PRS Database Regulations: what lenders, receivers and insolvency practitioners need to know before taking control of a tenanted property
EU KIDS Act: Europe's plan to strengthen child online safety
FCA reviews payments firms' support for vulnerable consumers under Consumer Duty
FCA regulation is not a major barrier to SME finance – but challenges remain
AML reform is accelerating: what firms should take from the UK’s 2026–2029 strategy
Tightening the net: rising evasion risks and escalating penalties
Why CAP Code Rule 1.3 matters: Social responsibility in advertising
The Failure to Prevent Fraud offence – one year on
Export control enforcement: Lessons from the Airbus settlement
October 2026 harassment reforms: why employers need to move from compliance to evidence
Open finance meets mortgages: the FCA sets out its vision – but the hard work starts now
Frontier AI and cyber resilience: what financial services firms need to know now
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Views on fintech - interview with Niels Pedersen, MMU
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Scale-up Insights episode six - Employee incentives
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