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Joanne Owens



Owens Joanne
Joanne Owens



Joanne specialises in consumer finance and retail banking regulation, with a particular focus on the UK Consumer Credit Act 1974 and the Consumer Credit sourcebook of the FCA handbook. Prior to joining Allen & Overy Joanne was the UK Head of Legal for a U.S. based financial services and consumer credit group.

Joanne's expertise covers a wide range of retail finance products including loans, credit cards, overdrafts and motor finance products and her advisory work covers all aspects of the client's interaction with its consumers (such as financial promotions, credit agreement drafting and origination, post-contractual obligations and debt collection). She also advises on the FCA authorisation of consumer credit regulated firms.

In addition to her advisory work Joanne also advises retail banking and consumer finance clients on consumer credit related transactional matters in the course of securitisations, M&A (including loan portfolio sales) and IPOs.

News & insights

Sun reflecting off high rise buildings

Publications: 11 JUNE 2021

The Financial Services Act 2021

The first step in shaping the UK's financial services regime post-Brexit.

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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: 12 APRIL 2021

In Credit Podcast: Key takeaways from the Financial Conduct Authority’s finalised guidance for firms on the fair treatment of vulnerable customers

In this episode of In Credit, A&O consumer finance team Joanne Owens, Victoria Ferres and Sophie Skeet are joined by A&O Consulting executive director Claire Haydon to discuss the Financial Conduct…

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Banking and Finance



Allen & Overy LLP
One Bishops Square
E1 6AD

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Admitted as a Solicitor, England and Wales, 2002


LLB Law and German, University of Wales, Cardiff, 1999

Legal Practice Course, University of Bournemouth, 2000

Pro-bono experience

  •  School governor with St Anselm's Catholic Primary School, Harrow