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Sub practice
Sub practice

Bank Regulation

Both retail and investment banks are faced with an ever wider regulatory framework at both a national and international level.

Compliance requirements range from conduct of business rules around marketing and passporting financial products to overarching prudential requirements for capital, liquidity and recovery and resolution planning.

Our team advises the world’s leading banks on a very wide range of regulations. We have invested in building a large global team that provides expert advice and interacts with regulators on a day-to-day basis.

Areas we advise and assist clients on include:

  • Authorisation applications - across a wide range of banking activities and in multiple different jurisdictions.
  • Structural and regulatory reform - implementing compliance programmes and helping with business re-design processes.
  • Consumer finance and retail - designing new retail products and advising on conduct of business rules for marketing and sales.

News & insights

Publications: 13 DECEMBER 2019

Key Regulatory Topics: Weekly Update 29 November 2019 to 5 December 2019

Allen & Overy publish weekly updates on key regulatory topics affecting the financial services sector. 

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News: 10 DECEMBER 2019

Artificial intelligence is the most significant risk to businesses globally, according to directors

When asked about global risks affecting their businesses, nearly three fifths (58%) of directors stated that technological advances (artificial intelligence and machine learning) are the most significant threat. This is according to the seventh annual Directors’ Liability report by international law firm Allen & Overy, in conjunction with Willis Towers Watson (NASDAQ: WLTW), the global risk advisory and insurance broker.

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coins stacked in front of model home

Publications: 09 DECEMBER 2019

New intervention powers granted to the CSSF for residential housing loans

In light of the continued growth of residential housing prices and the impact on household debt, the Luxembourg parliament adopted a new act on 4 December 20191 (the Act) to grant specific intervention powers to Luxembourg’s financial sector regulator, the Commission de Surveillance du Secteur Financier (CSSF). In the event that developments in the Luxembourg real estate sector (potentially) threaten the stability of the national financial system, the CSSF is entitled by the Act to set the conditions upon which credit institutions, insurance undertakings and professionals carrying on lending operations, may grant loans relating to residential properties situated in Luxembourg.

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Publications: 04 DECEMBER 2019

IT and operational failures: financial services in the spotlight

There is unprecedented demand for and use of technology in the financial services sector.  However, greater reliance on technology brings with it increased levels of risk.  In particular, IT incidents and even brief disruptions to digital services may have a significant impact on clients and the markets.

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Our Financial Services Regulatory practice

Regulation of the financial services sector continues to expand and international directives may increasingly clash with national requirements. Faced with an ever wider regulatory framework, our team can help you plan for and navigate these complex developments.

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