Financial Services Regulation

We help you comply with financial services regulation.

Regulation of financial services doesn’t have to stifle innovation. We help make sure you’re compliant, properly authorised, and with up to date contracts, so you can run your business without interruption.

Our clients range from start-ups to corporates, national and international. We work with insurers, insurance intermediaries, and SIPP operators—as well as IFAs, wealth management firms, brokers and placement agents.

We’re particularly good at:

  • applications for FCA authorisation and post authorisation support, including change of control and amendments to permissions
  • providing advice on FCA and PRA rules and guidance, and the underlying UK and European legislation, including FSMA, MiFID, IDD, PSD2, and SMCR
  • supporting the launch and distribution of new products, services, and associated promotions
  • drafting and negotiating contracts and terms of business
  • helping with the sale and purchase of regulated businesses and companies.
We advise on
FCA applications

We can handle FCA authorisation from start to finish, whether you’re an innovator, testing the regulatory parameters, or a conventional financial service provider.

We can help prepare your regulatory business plan, and advise on proposed activities, structure and your internal regulatory framework.

We can help you develop internal policies, systems and controls required by your business in accordance with the FCA rules.

FinTech and InsurTech

We support innovative FinTech and InsurTech firms to launch ideas that are a disruptive influence in the financial services market. Our clients like our bold and pragmatic advice on how new ideas and technology fit into existing regulatory boundaries.

Insurance

Our clients include insurers, MGAs and brokers. We provide expert written advice on applying current regulation to new business. We advise on cross-border regulatory issues and also help businesses investigate and respond to ‘Dear CEO’ letters from regulators.

Pensions, life and wealth

We help wealth managers and pension operators navigate trust law, UK finance law, pensions and regulations, and European law. We draft trust and governance documents for SIPP schemes and discretionary fund management agreements, and advise investment firms on MIFID and AIFMD applications. In-house counsel and compliance officers regularly choose us as their trusted outsourced legal resource.

Cryptocurrency

Capital Law is one of the few law firms with proven regulatory expertise in blockchain and cryptocurrency.
We’ve advised cutting-edge projects on regulation, fund raising, and Initial Coin Offerings (‘ICOs’). We verify white papers, advise on the regulatory position of cryptocurrencies and tokens (security, utility and exchange), and draft pre-seed, pre-sale, and sale documentation.

It is essential for us to have a firm like Capital as our legal partner as they certainly bring value to our business.

Denis McHugh
CEO | Hartley Pensions