UK Guide 2026 : UK-wide
Ranked Individuals
Provided by Eversheds Sutherland
Our Retail Finance team is known for demystifying complex and evolving consumer finance regulations. With a diverse client base and deep sector expertise, we provide clear, pragmatic advice to help clients navigate the regulatory landscape with confidence. We advise on a broad spectrum of matters, including:
• New product development and product design for digital platforms
• Consumer Duty compliance and regulatory liaison Customer journey reviews and assurance against legal requirements, including CCA & MCOB
• Remediation programme support
• FCA compliance including fair treatment borrowers in financial difficulty and vulnerable customers
• Customer communications, product literature, and financial promotions
• Regulatory perimeter assessments and Appointed Representative frameworks
• Product servicing, administration, and post-contractual matters
• Outsourcing, arrears, financial difficulty, and complaints handling
• Legal and regulatory due diligence reporting for acquisitions, portfolio sales and securitisations
• FCA/PRA applications, notifications, and support with s.166 reviews
Our lawyers bring valuable in-house experience, enabling us to anticipate regulatory challenges and support clients in launching innovative products. We work closely with our Financial Services colleagues, including Konexo, drawing on the insights of former FCA professionals to deliver genuine regulatory intelligence.
Provided by Chambers
Eversheds Sutherland has an effective team of lawyers who can provide advice on a range of consumer finance issues. The team is particularly adept at assisting challenger banks and the retail divisions of high street banks, in addition to mortgage providers. The firm regularly advises on regulatory compliance and product due diligence, among other matters.
Provided by Chambers
Eversheds Sutherland advised United Trust Bank on the terms and conditions and security documents for its unregulated bridging loans. The team helped to draft a new agreement, ensuring compliance with current regulations.
Provided by Chambers
Eversheds have a global reach, specialist experience and are well-coordinated internally.
The team offers good technical knowledge combined with practical advice.
The team is extremely responsive, both in terms of speed and quality of response.
The firm is commercially focused and took the time to get to know our business. The quality of advice is exceptional, and the lawyers have deep and broad experience.
Eversheds provide an in-depth understanding, tailored and practical advice concerning difficult areas of the law. The lawyers offer immediate responses with quality advice and support.
Provided by Chambers
Naomi Seward leads Evershed Sutherland's retail finance team and regularly advises financial institutions on consumer finance matters. Her regulatory expertise is well known, and she advises clients on a broad scope of matters.
Naomi is very good at taking technical law and applying it to our realities.
Naomi is approachable, helpful and her broader understanding of banking matters is impressive.
It's always a pleasure dealing with Naomi.
Rachael Browning is a senior associate within the retail finance team at Eversheds Sutherland. She is adept at dealing with consumer finance matters for a range of clients.
Rachael is an expert in her field, and we are confident in the quality of her advice and drafting.
Consumer Finance
Consumer Finance
Provided by Eversheds Sutherland
Rachael Browning
View profile of Rachael Browning
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