Skip to content

Joanne Owens

Counsel

London

Owens Joanne
Joanne Owens

Counsel

London

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

Singapore Legal Update - January 2020

Publications: 20 JANUARY 2020

MAS consultations on the regulation of digital payment tokens

The Monetary Authority of Singapore (MAS) has issued three new consultations each dealing with different aspects of the regulation of digital payment tokens (DPTs) under the Payment Services Act (PSA). It has also recently clarified that where a DPT may be characterized as either a debenture or as e-money, its policy approach will be to regulate it as e-money. Note that the PSA will come into force on 28 January 2020.

Read more
Singapore company wound up in the U.S not allowed to block enforcement of charge over its shares

Publications: 20 JANUARY 2020

Singapore company wound up in the U.S not allowed to block enforcement of charge over its shares

In a recent case, the High Court had to consider whether to apply a moratorium to the enforcement of a share charge taken over the shares in a Singapore company where that company was subject to insolvency proceedings in the United States. It held that it had no basis to do so under section 259 of the Companies Act which renders void a transfer of shares in company made after the commencement of a winding up by the Singapore Court as that section did not apply to a foreign proceedings.

Read more

News: 15 JANUARY 2020

Allen & Overy advises on Leonard Green and Novo Holdings' acquisition of WCG Clinical

Allen & Overy has advised the lead arrangers and administrative agent on the USD1.045 billion syndicated financing for the acquisition of WCG Clinical by Leonard Green & Partners, L.P. and Novo Holdings A/S. 

Read more
Abstract graphic

Publications: 13 JANUARY 2020

Paving the way to the UK’s departure from the EU – an overview of the key provisions of the European Union (Withdrawal Agreement) Bill

Following the Conservative Party’s victory in the UK’s general election in December 2019, the immediate priority for both the UK and the EU27 in relation to Brexit is now the approval, ratification and implementation of the deal agreed at a political level between the European Commission and the UK in October 2019 on the terms of the UK’s departure from the EU (the Withdrawal Agreement).

Read more

Expertise

Practices

Banking and Finance

Office

London

Allen & Overy LLP
One Bishops Square
London
E1 6AD

View office →

Qualifications

Professional

Admitted as a Solicitor, England and Wales, 2002

Academic

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