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Consumer credit regulation
Our national team has wide ranging expertise in the field of regulated and unregulated consumer credit, asset finance, leasing and e-money. We act for major international finance companies, well-known high street banks and consumer finance businesses, as well as smaller scale niche credit and asset finance companies.
Our team provides specialist advice on the practical issues faced by lenders, as well as the commercial and regulatory risks that may impact the conduct of business. More specifically, we offer clients advice and support on the following categories:
- All aspects of consumer credit and asset finance law, especially the Consumer Credit Acts of 2006 and 1974
- Data Protection Act 1998 and all related regulations
- Secured and unsecured dealer funding (i.e. wholesale) arrangements
- Drafting lending agreements, approving regulated advertising and e-commerce initiatives
- Regulatory enquiries
- Commercial and consumer contracts
- Supporting new (lending) business start-ups with respect to processes, documentation and commercial contracts
- E-money
- Advice to lender on Oft and Trading Standards consumer credit regulatory enforcement disputes
- Enforcement order applications where agreements fail to meet prescribed terms
- Advice and drafting of consumer contracts to avoid unfair relationships and unfair contract terms
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Get in touch
Joanne Davis
Partner
T: 08700 86 4171
I: +44 (0)121 335 4171
E: joanne.davis@shoosmiths.co.uk