I am a financial services lawyer. The majority of my work involves advice on the application of often complicated regulatory provisions to the businesses of firms and individuals. Away from the office my spare time is largely spent on a golf course, or in a concert hall.
I have been involved in financial services regulation for over 25 years, initially working for two past versions of the UK regulator (the Financial Services Authority (FSA) and before that the Securities and Investments Board), more recently in private practice.
I advise firms and individuals on the scope and application of relevant financial services and related legislation, and the rules of the UK regulators, the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). I have extensive experience of interpreting regulatory rules, having drafted several parts of the FSA Handbook when I was working for the regulator. I have particular expertise in the rules concerned with marketing (called ‘financial promotion’ by the legislation) and have published frequently on them.
My practice embraces a wide variety of financial services matters, including:
- advising on the meaning and applicability of the Financial Services and Markets Act 2000, the statutory instruments made under it, and the rules of the regulators
- liaising with the regulators on behalf of clients (e.g. making authorisation and approved person applications, and responding to regulators’ queries)
- reviewing client documentation, compliance manuals, marketing material and third party agreements to ensure that they are compliant with applicable regulatory rules
- drafting offering documents and services agreements
- advising on the structuring of investment propositions (including crowdfunding arrangements)