Charlotte is an Associate Director in the Financial Institutions Group, specialising in consumer finance and retail banking regulation.
She advises a wide range of clients including retail banks, fin techs, asset finance providers and point of sale lenders on all aspects of the consumer credit regime, mortgage regulation and other consumer protection legislation such as the Consumer Rights Act 2015.
Charlotte regularly advises clients on whether the activities they are conducting fall within the regulatory perimeter for consumer credit or mortgage lending, the structuring of new innovative products, digital customers journeys and drafting the full suite of documents required for regulated credit, hire and mortgage products. She is also experienced at advising clients on regulatory change and complex remediation issues as a result of non-compliance with the regulatory regime.
As well as working in private practice, Charlotte has also spent 5 years working in-house at both a large retail bank and a private bank.
Insights
What's holding back UK green consumer finance? A financial services perspective
'More to do' – UK FCA reviews principals' oversight of appointed representatives
Has running-account credit come of age in the UK?
Financial Conduct Authority to gather more information from UK consumer credit firms
FCA announces review into UK motor finance commission arrangements
UK FCA proposes new credit reporting governance body with broader objectives
'Data-led supervision': FCA consults on new data requirements for consumer credit firms
Consumer credit reform in the UK: where now?
Does new regulation spell the beginning of the end for 'buy now, pay later' in the UK?
UK develops thinking on consumer credit law reform but manages expectations
Consumer finance firms: who is in scope of the new Consumer Duty?
Before moving to implementation planning, firms need to make sure whether and where they are caught by the rules