Financial Services Regulation

Regulation of financial services doesn’t have to stifle innovation.

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

They trust us to ensure they’re compliant, properly authorised, and with up to date contracts, so they can run their business without interruption. We also help them to develop innovative products and services, from the conception phase right through to the launch.

As well as being leaders in insurance law, our lawyers have specific InsurTech and FinTech expertise, working closely with industry bodies like FinTech Wales.

We have proven regulatory expertise in the blockchain and cryptoasset sector, too – having project managed several token launches/sales, and having provided significant regulatory advice on treatment of cryptoassets against the UK’s regulatory regime. 

Expertise

  • Blockchain
  • Drafting and negotiating contracts and terms of business
  • FCA and PRA rules and guidance
  • FCA applications
  • FinTech and InsurTech
  • Launch and distribution of new products, services, and associated promotions
  • UK and European legislation, including FSMA, MiFID, IDD, PSD2, and SMCR
  • Pensions, life and wealth
  • Sale and purchase of regulated businesses and companies

Experience

  • Helping Cover Genuis, a global InsurTech platform which distributes a range of insurance products in 60+ countries and 50 US states, to secure a European regulatory licence to distribute insurance
  • Advising AurusGOLD, a technology business providing a blockchain solution for the traditional gold and commodities market, with technical legal opinion on the FCA’s regulatory perimeter and treatment of its new token offering
  • Providing UK regulatory support to fund manager and investment-based life insurer, Isle of Man Assurance Limited
  • Advising 100+ businesses across the UK on their business interruption insurance during the Covid-19 pandemic

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