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 raises the bar on Consumer Duty outcomes monitoring: what your firm needs to do now
Inside the minds of money mules: what new Home Office research means for your anti-financial crime framework
FCA updates complaints and root cause analysis good practice guidance – what firms need to know
FCA product governance review: what firms must do now to get product design right under Consumer Duty
Payroll providers and HMRC AML supervision: why registration is the easy part
Consumer Duty enforcement is here – 11 investigations and counting
Lenders successful in judicial review of the Financial Ombudsman Service
FCA publishes landmark Mills Review into AI and retail financial services: what firms need to know
Consumer Duty: Distribution chains, manufacturer obligations and board reporting – what firms need to know
What the first three OFSI Settlements tell us about UK sanctions enforcement
FCA flags financial crime control gaps across insurance sector in new multi-firm review
Government announces once-in-a-generation overhaul of the home buying and selling system
FCA sets out research agenda that will shape regulation for the next five years
DMCCA penalty #2: CMA fines Marks Electrical for use of automatic opt-ins for additional charges
UK anti-money laundering rules overhauled: what financial services firms must do now
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The fast and the curious: Empowering in-house lawyers to create business value
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European Access Plan: Your gateway to business in the EU
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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
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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
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TLT strengthens banking team with recruitment of Scottish banking heavyweight
TLT advises renewable energy company on funding partnership
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TLT advises financial services group on investment by Swedish wealth management advisers
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
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