All Insights https://www.osborneclarke.com/ en Mon, 30 Sep 2024 15:22:02 +0100 Mon, 30 Sep 2024 10:42:55 +0100 What's holding back UK green consumer finance? A financial services perspective https://www.osborneclarke.com/insights/whats-holding-back-uk-green-consumer-finance-financial-services-perspective &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_023.jpg?VersionId=a25dBtWwwQxaC69iF4kkF.EqNtixEB.c' /><br /><p>What is green finance, why is it needed and what are the challenges?</p>]]&gt; Mon, 30 Sep 2024 10:42:55 +0100 All Insights AIFMD II: what Europe's fund managers need to know about the new loan origination regime https://www.osborneclarke.com/insights/aifmd-ii-what-europes-fund-managers-need-know-about-new-loan-origination-regime &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/22/03/16/OC-IS_022.jpg?VersionId=txqsSQcC_sRPe3rt52na9FkaLtw2_mvy' /><br /><p><strong>New requirements will regulate EEA alternative investment fund managers' loan origination activities</strong></p>]]&gt; Mon, 30 Sep 2024 10:22:26 +0100 All Insights Draghi report on EU competitiveness offers new recommendations for pharma and biotech https://www.osborneclarke.com/insights/draghi-report-eu-competitiveness-offers-new-recommendations-pharma-and-biotech &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/wp/18/07/03/LSH_medical_pills.jpg?VersionId=nPM8FdK1mS2rXNe_YLSkVB7jccGrSpdG' /><br /><p>The former European central banker's report delivers strategic insights for pharma companies doing business in the EU</p>]]&gt; Mon, 30 Sep 2024 09:09:56 +0100 All Insights EU competitiveness report pushes for greener and digitalised medical and IVD https://www.osborneclarke.com/insights/eu-competitiveness-report-pushes-greener-and-digitalised-medical-and-ivd &lt;[CDATA[<img src='https://oc-static.poweredbyproctors.co.uk/public/images/21/12/30/LSH_person_research_laboratory.jpg?VersionId=d041eFKatl96uuEchm8S9eVeBbUtgrEq' /><br /><p>The Draghi report warns of the major impact on medical device firms from digitalisation and heavy regulation</p>]]&gt; Mon, 30 Sep 2024 08:50:12 +0100 All Insights PSD3 and PSR: Impact on payment and e-money institutions 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 UK Knowledge Collection | Timeline for consumer and competition law changes, new sanctions enforcement body, and public procurement 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 Invalidity of the joint and several guarantee (afianzamiento solidario) clause and waiver of the benefits of excusion, order and division when the guarantors qualify as consumers 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 'More to do' – UK FCA reviews principals' oversight of appointed representatives 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 ESMA sets stricter guidelines for ESG and sustainability-related fund names 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 Taking the pulse of public procurement in Spain 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 UK Public Service Pensions Update | September 2024 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 UK Employment Law Coffee Break: Equal pay, our HR pensions spotlight for September and the latest news on incentives 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 Cyber Security | UK Regulatory Outlook September 2024 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 Fintech, digital assets, payments and consumer credit | UK Regulatory Outlook September 2024 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 Data Law | UK Regulatory Outlook September 2024 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 Products | UK Regulatory Outlook September 2024 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 Regulated procurement | UK Regulatory Outlook September 2024 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 Employment, Contingent Workforce and Immigration | UK Regulatory Outlook September 2024 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 Environmental, social and governance | UK Regulatory Outlook September 2024 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 Health and Safety | UK Regulatory Outlook September 2024 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 Consumer law | UK Regulatory Outlook September 2024 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 Competition | UK Regulatory Outlook September 2024 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 Environment | UK Regulatory Outlook September 2024 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 Sanctions and export control | UK Regulatory Outlook September 2024 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 Telecoms | UK Regulatory Outlook September 2024 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