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 draws the fair value line: what three years of Consumer Duty supervision tells us about what good looks like – and what still needs to fix
SM&CR overhaul: the most significant reforms since the regime began
FCA publishes AI good practice guide – what regulated firms must do now
FCA consults on how regulated firms should manage DeFi risks
Agentic AI in the justice system: getting the foundations right
DMCCA subscriptions regime: Are you ready for 1 January?
FCA's CFD pricing findings: the Consumer Duty lessons every financial services firm needs to act on
FCA sets out roadmap to expand consumer access to investments
Fair play for gamers: CPC Network takes enforcement action on in-game virtual currencies
Automated decisions, human consequences: the AI governance imperative for insurance distribution and what it means for your business
FCA AML supervision reform: what law firms, accountants and TCSPs need to do now
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
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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
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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
DMCC Act subscription contract rules: Everything you need to know
International Fintech Case Study: Brexit Contract Migration | TLT
Document automation for in-house legal teams | Contract management
