https://www.osborneclarke.com/ en Fri, 27 Sep 2024 21:18:18 +0100 Fri, 27 Sep 2024 16:15:40 +0100 https://www.osborneclarke.com/insights/psd3-and-psr-impact-payment-and-e-money-institutions &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/21/12/30/RC_smart_payment.jpg?VersionId=7KExEOmHf6AtEg1PK275HpX0UJD19prX' /><br /><p><strong>The new regulations on payment services foresee new requirements for payment institutions to strengthen the legal framework already established by PSD2 and aim to adapt to the current and future needs of the payments industry</strong></p>]]&gt; Fri, 27 Sep 2024 16:15:40 +0100 All Insights https://www.osborneclarke.com/insights/uk-knowledge-collection-timeline-consumer-and-competition-law-changes-new-sanctions &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_010.jpg?VersionId=X6cyEJ1XgnOPivlTQEB4JYyRFzSCaGaU' /><br /><p><strong>Welcome to this week's Knowledge Collection</strong></p>]]&gt; Fri, 27 Sep 2024 14:53:50 +0100 All Insights https://www.osborneclarke.com/insights/invalidity-joint-and-several-guarantee-afianzamiento-solidario-clause-and-waiver-benefits &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_002.jpg?VersionId=42wkNNReMeiIbHBA_5aYKbUpr4tKXZSU' /><br /><p><strong>The Provincial Court of Cadiz declares the joint and several guarantee (</strong><em><strong>afianzamiento solidario</strong></em><strong>) clause in two leasing</strong><em><strong>&nbsp;</strong></em><strong>agreements, as well as the waiver of the benefits of excusion, order and division of the personal guarantee in relation to the guarantors who are consumers, to be null and void as abusive</strong></p>]]&gt; Fri, 27 Sep 2024 14:48:12 +0100 All Insights https://www.osborneclarke.com/insights/more-do-uk-fca-reviews-principals-oversight-appointed-representatives &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/24/07/05/WFS.png?VersionId=2n1uJowTfWyHp7xK2tKD2QJbr6onTYh6' /><br /><p><strong>FCA analysis finds some principal firms are taking a 'bare minimum' approach and are not 'getting the basics right'</strong></p>]]&gt; Fri, 27 Sep 2024 11:45:35 +0100 All Insights https://www.osborneclarke.com/insights/esma-sets-stricter-guidelines-esg-and-sustainability-related-fund-names &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/24/05/21/esg_iStock-1448596018-EDITED.png?VersionId=VrQkFWujy6XL_yLh3Tqv4LJY3zUNCl.V' /><br /><p><strong>New rules, aimed at reducing greenwashing, require stricter criteria for funds using ESG or sustainability terms &nbsp;- though some uncertainties remain</strong></p>]]&gt; Fri, 27 Sep 2024 10:51:07 +0100 All Insights https://www.osborneclarke.com/insights/taking-pulse-public-procurement-spain &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_012.jpg?VersionId=DOPO7JT0G9CbAApZAM_JwAFZt.YjKolj' /><br /><p><strong>We examine two crucial issues in Spanish public procurement according to the annual report of the Independent Office for Regulation and Oversight of Public Procurement: collusive practices and corruption</strong></p>]]&gt; Fri, 27 Sep 2024 10:36:15 +0100 All Insights https://www.osborneclarke.com/insights/uk-public-service-pensions-update-september-2024-0 &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_005.jpg?VersionId=eUg7C.nDVdqUFYqB5yhiCikQBCuRMpE8' /><br /><p><strong>Welcome to the latest edition of the UK Public Service Pensions Update</strong></p>]]&gt; Thu, 26 Sep 2024 15:31:01 +0100 All Insights https://www.osborneclarke.com/insights/uk-employment-law-coffee-break-equal-pay-our-hr-pensions-spotlight-september-and-latest &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_001.jpg?VersionId=DcHvflLJQ7EFMmbxqof2Zpxmp34kT003' /><br /><p align="left"><strong>Welcome to our latest Coffee Break in which we look at the latest legal and practical developments for UK employers</strong></p>]]&gt; Thu, 26 Sep 2024 15:04:42 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-environment &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_environment-insight.png?VersionId=TzJFTyAnyWIkC6y.DOHXFZBaAs9JEvIN' /><br /><p><strong>Nature Restoration: Regulation implemented in the EU | Further guidance on the Biodiversity Net Gain scheme | BNG requirements do not apply retrospectively to planning applications</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-regulated-procurement &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_002.jpg?VersionId=42wkNNReMeiIbHBA_5aYKbUpr4tKXZSU' /><br /><p><strong>New procurement regime delayed to February 2025 &nbsp;| Further guidance on the Procurement Act published</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-data-law &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Data-insight.png?VersionId=BmZcZv6vhGcU8SunknbdTVvcT2w0uBh4' /><br /><p><strong>EU Commission plans to create new SCCs for data transfers to third country controllers and processors subject to GDPR | ICO publishes update on children's code strategy and a call for views on processing children's data for recommender systems and age assurance purposes | UK government consults on changes to data protection fee regime</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-cyber-security &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Cyber-insight.png?VersionId=FnlLjM.ar2LPtsYfcy2M2AsKvsevqndc' /><br /><p><strong>UK data centres to be designated as critical national infrastructure | ICO and NCA sign memorandum of understanding for collaboration on cyber security | NCSC and partners link Russian military hackers to critical infrastructure attacks</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-sanctions-export-control &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/04/18/GEN_global_map_market_trends.jpg?VersionId=TFPPP720.eXn.FZ4oaVatVaGlIf745Xf' /><br /><p><strong>Office of Trade Sanctions Implementation | Annual frozen asset reporting exercise | UK amends Russia Regulations on legal advisory services</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-employment-contingent-workforce-immigration &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/24/07/23/Regulatory-Outlook-Q119-Employment_0.png?VersionId=ahb3jnWJvDbQ6GaR7xnf.m1TdUOgAg_q' /><br /><p><strong>New sexual harassment duty in force 26 October 2024 | Legislative update: Do we know any more on Labour's employment law plans? | Immigration update</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-Competition &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Competition-insight.png?VersionId=qJ0qjq9GD.VNIhv8kSOsF8rNMqNvT7N_' /><br /><p><strong>Digital Markets, Competition and Consumers Act: implementation insights | Litigation funding | European Merger Control</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-health-safety &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Health-insight.png?VersionId=yr0A5NIHwNVfyh1XKArSQYwtypcWgZOT' /><br /><p><strong>The Terrorism (Protection of Premises) Bill 2024 | Grenfell Tower Public Inquiry – final report | Golden Thread guidance published&nbsp;</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-bribery-fraud-anti-money-laundering &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_bribery-insight.png?VersionId=yl2.HX.MnFncqxMM0MxIYFmrdflfXKT1' /><br /><p><strong>Parliamentary update on failure to prevent fraud guidance | High Court rules that England is appropriate forum in cross-border conspiracy claim | FCA emphasises collaboration and a collective effort to address fraud</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/regulatory-outlook-September-2024-telecoms &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/21/12/23/DT-gamer-desk.jpg?VersionId=xzKKQHC0ZtdwCdyM9CCaXdlXep0gIJOA' /><br /><p><strong>Ofcom statement and consultation on shared access framework | Guidance on broadband information comes Into force</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-Artificial-intelligence &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/11/27/Q_2206301558REG_Regulatory-Outlook-AI-Icon_1000x1000px_Sep-2023_FINAL.png?VersionId=WIprViz2kgVC5dau_VpZ.Vk4Sa87jHXL' /><br /><p><strong>UK House of Lords Select Committee inquiry into scaling up AI and creative tech | House of Lords introduce AI Bill into Parliament | ICO's fifth call for evidence on generative AI</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/regulatory-outlook-September-2024-environmental-social-governance &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_environment-insight.png?VersionId=TzJFTyAnyWIkC6y.DOHXFZBaAs9JEvIN' /><br /><p><strong>Commission publishes FAQs on CSRD | Calls for EU to delay EUDR implementation | Temporary flexibility on new Sustainability Disclosure Requirement rules</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-Advertising-Marketing &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_advertising-insight.png?VersionId=NEK40w45N6Qgv79gUNjq3LsqQ00SCdeu' /><br /><p><strong>UK government confirms implementation of advertising restrictions of 'less healthy' food and drink products | CMA issues guidance for fashion brands on complying with consumer law when making green claims</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/Regulatory-Outlook-September-2024-consumer-law &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Consumer-insight.png?VersionId=qmP_j4J5w7snSQCVdZwWRNV4.7nJK.T.' /><br /><p><strong>UK government publishes DMCCA timeline | CMA consults on draft direct consumer enforcement guidance and rules under DMCCA | DMCCA in CMA's annual report 2023-2024</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/regulatory-outlook-September-2024-fintech-digital-assets-payments-consumer-credit &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/23/01/25/Reg-Outlook-1000px_Jan-2023_Fintech-insight.png?VersionId=3TgZ5i1QiwdP5Hh763bXPbcP6kJjFedC' /><br /><p><strong>FCA outlines good and poor practices in cryptoasset financial promotion | PSR response to consultation on expanding variable recurring payments | Consultation on reducing maximum reimbursement level for APP fraud</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/regulatory-outlook-September-2024-products &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/21/12/23/OC_KI_051.jpg?VersionId=xHpFdG3JzR8dlv13yDOSIKM_U41LDSg4' /><br /><p><strong>Draft Product Regulation and Metrology Bill published | Defra publishes initial illustrative base fees under EPR | NHS report provides potential areas of reform&nbsp;</strong></p>]]&gt; Wed, 25 Sep 2024 10:09:13 +0100 All Insights https://www.osborneclarke.com/insights/uk-office-trade-sanctions-implementation-arrive-october-launch &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_014.jpg?VersionId=1Tib4fKv.Nqk2w1K5VvdlIwCYl9oKOlf' /><br /><p><strong>New enforcement body's powers impose additional compliance burdens on industry, financial services and legal sectors</strong></p>]]&gt; Tue, 24 Sep 2024 16:07:01 +0100 All Insights