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 puts inactive appointed representatives under the microscope
SFO publishes business plan for 2025-26: Geared for the future
FCA sets expectations for stronger outcome‑focused governance in Year 3 Consumer Duty board reporting
Why work-related stress is a health and safety issue
FCA's guidance on targeted support in consumer segment design: considerations for firms
The Bank of England and PRA set out plans for safe AI innovation: What firms need to know
The FCA highlights the due diligence risks for firms when dealing with unregulated lenders
FCA regulatory priorities 2026: Cross-sector themes and what they mean for firms
CMA steps up its crackdown on fake and misleading reviews
UK Government strengthens AML and crypto controls through the Money Laundering and Terrorist Financing (Amendment) Regulations 2026
UK Supreme Court confirms broad reach of Russia sanctions and suspends payment obligations under letters of credit
FCA turns to AI to fight fraud: What the Palantir contract means for financial regulation
FCA publishes consumer understanding good practice and areas for improvement
PRA, BoE and FCA material third-party reporting requirements
FCA Regulatory Priorities report - Consumer finance: What firms need to know
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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
