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Sub practice

Retail and Digital Finance 

Digital innovation is bringing new opportunities to the retail finance sector which can benefit firms and consumers alike. However, the sector can be complex to navigate. 

There are ever-changing regulatory requirements and increased regulatory scrutiny, particularly with regards to customer vulnerability, affordability, cyber security and AML. Now, more than ever, it is important to prioritise legal and regulatory compliance.   

Our retail and digital finance team includes financial services specialists, many of whom have worked in-house or spent time on client secondments with retail financial services firms and fintechs. It is this experience that gives us the commercial mindset to help you navigate a complex and ever-changing product and regulatory regime.

We offer strategic advice to both fintech disruptors and traditional retail banks, building societies, motor finance and asset finance firms, mortgage lenders, and point of sale finance and credit card providers, at all stages of the life-cycle. We can help with developing new products, applying for authorisation, ensuring that services continue to comply with the fast pace of regulatory change, and in responding to potential regulatory breaches.

In addition to advising on compliance with the core consumer credit and mortgage regulatory regimes, we cover fairness, money laundering, mis-selling, payment services and data protection.

News and insights

credit cards

Publications: 07 June 2021

The Financial Conduct Authority’s new “Consumer Duty”

On 14 May 2021 the FCA published its first Consultation Paper on “A new Consumer Duty” (CP21/13).

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Publications: 07 June 2021

In Credit Podcast: The Financial Conduct Authority’s proposed new “Customer Duty”

In this episode of In Credit, A&O’s consumer finance team Joanne Owens, Victoria Ferres, Sophie Skeet and Mercy Hadfield discuss the Financial Conduct Authority’s recent proposal to introduce a…

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Publications: 04 April 2024

Deconstructing Crypto Episode 10: SBF, AI-Washing and Major Case Developments

In episode 10 of Deconstructing Crypto, Todd Fishman and Gene Ingoglia review the sentencing of FTX founder Sam Bankman-Fried, discuss the SEC’s settlement with two investment advisors over alleged…

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Tall buildings and sunny sky

Blog Post: 02 March 2023

FCA and PRA enforcement trends: retail conduct

Over the last couple of years, the treatment of retail customers has attracted the most FCA enforcement action, amounting to 34% of the total action for the period 1 April 2021 to 30 Sep 2022, with…

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  1. European Financial Services Regulatory Team of the Year - winners at the IFLR Europe Awards 2018 and 2020

In Credit podcast

In Credit is a podcast series where our leading Consumer Finance team discuss regulatory updates and provide industry insight.