United Kingdom: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
HM Treasury Designates Four Critical Third Parties To The UK Financial System
HM Treasury has designated four major global cloud and technology providers as critical third parties under the UK's new operational resilience regime, granting financial regulators direct oversight powers over systemic services that could threaten financial stability. The designations mark the first implementation of rules established under the Financial Services and Markets Act 2023, mirroring the EU's DORA framework while maintaining a targeted, risk-based approach to protecting the UK financial system f
United Kingdom Finance
KM
Katten Muchin Rosenman LLP
Article
FCA Enforcement Watch 2: The Consumer Duty Moves Into A New Phase Of Scrutiny
The FCA's second Enforcement Watch reveals a shift from initial forbearance to active scrutiny of Consumer Duty compliance, with 11 open investigations now underway. As the regulatory framework matures, firms face increasingly intensive supervisory intervention through VREQs and OIREQs, with fair value assessments emerging as a particular enforcement focus alongside product governance and vulnerable customer treatment.
United Kingdom Finance
KL
Herbert Smith Freehills Kramer LLP
Article
Final Rules For New UK Crypto Regime: Regulated Cryptoasset Activities
The Financial Conduct Authority has published its final policy position on the UK's new cryptoasset regime, introducing significant changes to how trading platforms, intermediaries, and custodians will operate. Key modifications include relaxed transparency requirements for dealers, clarified safeguarding rules, and a case-by-case approach to decentralised finance regulation. The framework establishes comprehensive conduct standards while providing flexibility for international firms and various business mo
United Kingdom Finance
AO
A&O Shearman
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Related Country Guides

PF
Project Finance
AI
Alternative Investment Funds
SL
Secured Lending
AR
Asset Recovery
BR
Banking Regulation

Capital Adequacy/BASEL

Article
Credit Risk Transfers: What Every Asset Manager Should Ask Before Investing
Market participants employ four main credit risk transfer structures—bank-issued CLNs, SPV-issued CLNs, credit default swaps, and participation interests—each carrying distinct risk, regulatory, and funding profiles that require careful evaluation. Asset managers must navigate critical considerations including due diligence protocols, credit event definitions, and recovery rights to optimize returns. Recent Basel 3 re-proposals in the U.S. and regulatory developments in the E.U. and U.K. are res
United Kingdom Finance
D
Dechert
Article
FCA Publishes Landmark Policy Statements Finalising The UK’s Cryptoasset Regulatory Regime
The Financial Conduct Authority has published comprehensive final rules establishing an end-to-end regulatory framework for cryptoasset firms in the UK, marking one of the largest extensions of the FCA's regulatory reach in recent memory. With authorisation requirements taking effect in October 2027 and a critical application window opening in September 2026, firms operating in the cryptoasset space face significant compliance obligations including financial resilience requirements, market integrity provisi
United Kingdom Finance
KM
Katten Muchin Rosenman LLP
Article
Landed Estates And Private Banking Interview: Aidan Faik, Weatherbys Private Bank
Lizzie Egan interviews Aidan Faik, senior private banker and head of landed estates at Weatherbys Private Bank, exploring current trends in rural property finance, from residential portfolio challenges and holiday let opportunities to the complexities of trust structures and biodiversity net gain projects. The conversation examines how Basel 3.1 regulations will fundamentally reshape lending terms for estate owners, and why understanding the residential versus commercial classification of property has becom
United Kingdom Finance
WL
Withers LLP
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Debt Capital Markets

Article
Prospectus Regime Changes In The EU—a Debt Capital Markets Update
The European Union's Listing Act package has introduced its final wave of changes to the Prospectus Regulation, fundamentally reshaping how debt capital markets participants must structure and present offering documents. These reforms include mandatory sequencing requirements, consolidated disclosure annexes, and new ESG-specific disclosure obligations that will affect issuers, underwriters, and legal advisors across EU regulated markets.
United Kingdom Finance
AO
A&O Shearman
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Charges, Mortgages, Indemnities

Article
Personal Guarantees In UK Real Estate Finance Transactions – Considerations For Lenders
In UK real estate finance transactions, high-net-worth sponsors are sometimes required to provide personal guarantees to lenders. These guarantees serve as additional security when lenders cannot fully recover debts from the underlying real estate, or when specific risks emerge that require the sponsor to take particular actions within defined timeframes. The personal guarantee creates a financial incentive for sponsors to fulfill their obligations and mitigate identified risks.
United Kingdom Finance
GT
Greenberg Traurig, LLP
Article
Landed Estates And Private Banking Interview: Aidan Faik, Weatherbys Private Bank
Lizzie Egan interviews Aidan Faik, senior private banker and head of landed estates at Weatherbys Private Bank, exploring current trends in rural property finance, from residential portfolio challenges and holiday let opportunities to the complexities of trust structures and biodiversity net gain projects. The conversation examines how Basel 3.1 regulations will fundamentally reshape lending terms for estate owners, and why understanding the residential versus commercial classification of property has becom
United Kingdom Finance
WL
Withers LLP
See more

Financial Services

Article
HM Treasury Designates Four Critical Third Parties To The UK Financial System
HM Treasury has designated four major global cloud and technology providers as critical third parties under the UK's new operational resilience regime, granting financial regulators direct oversight powers over systemic services that could threaten financial stability. The designations mark the first implementation of rules established under the Financial Services and Markets Act 2023, mirroring the EU's DORA framework while maintaining a targeted, risk-based approach to protecting the UK financial system f
United Kingdom Finance
KM
Katten Muchin Rosenman LLP
Article
FCA Enforcement Watch 2: The Consumer Duty Moves Into A New Phase Of Scrutiny
The FCA's second Enforcement Watch reveals a shift from initial forbearance to active scrutiny of Consumer Duty compliance, with 11 open investigations now underway. As the regulatory framework matures, firms face increasingly intensive supervisory intervention through VREQs and OIREQs, with fair value assessments emerging as a particular enforcement focus alongside product governance and vulnerable customer treatment.
United Kingdom Finance
KL
Herbert Smith Freehills Kramer LLP
See more

Latest Videos

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