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Consumer financial products

We offer expert and innovative advice to financial services clients who manufacture, distribute and market consumer financial products.

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We understand consumer financial products and have significant experience of helping our clients with the full financial product lifecycle, from concept through to manufacture, distribution and marketing.

We are skilled in helping clients manage their product governance and approval processes and supporting them through regulatory authorisations. This also includes advising clients on regulatory affairs and compliance policy, procedures and training.

Our lawyers are experts in their field and committed to achieving the commercial and regulatory ambitions of our clients, often through identifying innovative solutions. Many of our lawyers have worked in-house and for regulators, meaning they bring practical knowledge and insight to their work.

Our expert lawyers combine a wide range of product and market experience, some of which comes from working with product development teams in industry. As such, we know how regulatory requirements impact the customer and product journey.

Businesses need lawyers who are not only well-versed in the unique requirements and dynamics of the sector but also committed to achieving clients’ commercial ambitions by providing timely, actionable guidance when challenges arise. 

We advise clients on a wide range of financial products and services, including in consumer credit and mortgages, retail and private banking, wealth management, SIPPs, platforms, savings and investment products, financial advice, payments and e-money, and retail insurance and funeral plans.

Services

Internal product operations

Product development, regulatory permissions, governance, risk management and control frameworks, operational resilience requirements, the use of technology to develop and deliver financial products and data compliance.

Customer-facing matters and product strategy

Applying the Consumer Duty, achieving customer outcomes, the distribution of products, customer contracts and financial promotions.

Complaints and redress

Advising on the handling of claims, complaints under DISP, FOS investigations and redress obligations under the Consumer Duty and FSMA.

External relationships

With regulators, business partners, regulatory principals and appointed representatives and outsourcing partners.

Regulatory oversight

Helping to navigate FCA supervision and enforcement and associated risk management and governance.

Regulated funds

We regularly advise on the formation and regulation of FCA regulated retail fund structures including UK UCITS, NURS, QIS and LTAFs across OEICs, AUTs and ACSs.

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Examples of our work

Payments

Advised a new payments business on its core product development and on execution to launch.

Wealth management

Advised on white labelling arrangements for the distribution of investment products and the licensing of our client’s investment platform as well as regulatory advice on co-manufacturing and the Consumer Duty.

Retail insurance and funeral plans

Advised on the manufacture and distribution of insurance products to retail customers for insurers, friendly societies, intermediaries and affinity partners in both the traditional and Insurtech segments.

Crypto

Advised an investment platform on the offering of exposure to cryptoassets including regulatory perimeter analysis and preparation for crypto-related regulatory change.

Consumer protection

Advised many clients on customer-related matters, including on the Consumer Duty, vulnerability, complaints handling, policy development and customer documents reviews.

Regulatory disputes and investigations

Advising SIPP platforms on FOS and FCA investigations relating to alleged failures in due diligence applied to mini-bonds, non-standard assets and third-party advisers and introducers.

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Our team

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What others say

“Advice is very clear and pragmatic …  [making] it easy to understand what is a real risk and how to assess or mitigate it, which is a huge value add.”

Legal 500 UK 2024

“The team is timely in their responses, terms of engagement are clear including billing rates and fixed fee work. The team lead appoints the right support in terms of knowledge and advice.”

Legal 500 UK 2024

“The strongest element is the team's commercial awareness and ability to contextualise and provide advice that is based on practical realities, rather than black letter law or academic opinions.”

Chambers UK 2024

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Insights

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