Financial Services Regulation

Service overview: Financial services regulation

Financial services regulation is increasingly complex and places heavy burdens and restrictions on how financial institutions may operate.
Our financial services lawyers can help you navigate the evolving and complex financial services regulatory environment.
Our team can advise and support senior management, in-house legal teams, compliance functions and front-line businesses to develop and enhance their regulatory frameworks and control environments.
We can also help you deal with the Financial Conduct Authority’s (FCA’s) regulatory regime.

What we do: Financial services solicitors

Our financial services lawyers can assist you with your requirements and walk you through what is needed whether you are applying for authorisation, drafting customer agreements or buying or selling a regulated business. Some of the typical areas we would help your business with include:

Banking and finance law
Payment services and electronic money issuance
Consumer credit
Applications for authorisation and variation of permission
Approved person applications and requirements
Dealing with regulators including change in control notifications
Regulated activities and the FCA’s Perimeter guidance
Financial promotions
Outsourcing agreements
Anti-Money Laundering
Bribery Act requirements
Data protection requirements

If you are looking to buy or sell a regulated business, our finance solicitors will also work closely with our corporate and tax teams to cover all aspects of your deal, so legal work is seamless for your entire transaction.

Who we help: Payment service providers, fintech companies, regtech companies, consumer credit providers, borrowers, lenders, private equity investors throughout the UK

We regularly give expert legal advice on financial services legislation to a wide range of clients and financial institutions including:

Payment service providers (payment institutions, electronic money institutions, banks)
Consumer credit firms (from small retailers to banks)
Lenders
Investment funds
Asset and wealth management
Finance companies and business development companies
Fintech and regtech firms

Pricing plans

Our three transparent pricing packages are designed to give you the widest possible access to high-quality legal advice, whatever the size and nature of your business:

City

Straightforward access to senior solicitors at a competitive rate.

An affordable solution for businesses needing one-off legal support. Receive ‘City’ partner-level expertise at a fraction of ‘City’ prices.

Enterprise

Have legal peace of mind for £189 per month with additional support from £99 per hour.

A monthly subscription legal support package specifically designed for start-ups and smaller businesses.

On-Demand

For businesses requiring 60+ hours of support a year, with prices equivalent to £99 per hour.

Fully account managed quarterly subscription service for businesses with more complex legal needs.

Learn more about our pricing plans

What our clients say

We pride ourselves on delivering an excellent service for clients, but don’t just take our word for it.

As a young and growing fintech company, there have been a number of legal matters that we have needed to manage; such as client contracts, employment contracts and fund raising from investors. We’ve used Harper James for around a year and they have provided us with very valuable support through several lenses, not least in our funding round in late 2017, where we raised £1million and Harper James managed the legal side of the transaction. We recommend them without hesitation.

Gareth Morgan, Chief Risk and Compliance Officer
Delio

Harper James provide a cost effective, responsive and versatile service and provide us with access to legal teams that are experienced, commercially focused and well-resourced. Most importantly they are extremely familiar with the SME market and know the venture capital sector well.

Roger Woods, Owner and Director
MidVen

Harper James have become a vital part of our business. We get quality advice from experienced solicitors at prices that other firms do not appear to be able to match.

Veejay Lingiah, CEO
Flash Sticks

As a University spin-out getting the right team of lawyers to support our emerging business was fundamental and the team are always available to provide us with the invaluable guidance and support we require.

David Hodgson, CEO
Amalyst

Read all testimonials

What next?

Please leave us your details and we’ll contact you to discuss your situation and legal requirements. There’s no charge for your initial consultation, and no obligation to instruct us. We aim to respond to all messages received within 24 hours.

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A national law firm

We mainly work remotely, so we can work with you wherever you are. But we can arrange face-to-face meeting at our offices or a location of your choosing.

Our commercial lawyers are based in or close to major cities across the UK, providing expert legal advice to clients both locally and nationally.

Birmingham

Floor 2, Cavendish House, 39-41 Waterloo Street, Birmingham, B2 5PP

Cambridge

Stirling House, Cambridge Innovation Park, Denny End Road, Waterbeach, Cambridge, CB25 9QE

London

10 Fitzroy Square, London, W1T 5HP

Manchester

13th Floor, Piccadilly Plaza, Manchester, M1 4BT

Oxford

Harwell Innovation Centre, 173 Curie Avenue, Harwell, Oxfordshire, OX11 0QG

Sheffield

2-5 Velocity Tower, 1 St Mary’s Square, Sheffield, S1 4LP