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.
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.
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.
Alexandra Byard is a senior associate in Eversheds Sutherland’s consumer finance department. She is experienced in providing expert counsel on matters relating to consumer credit and consumer duty.
She has a good command of the FCA Handbook and drafts in a user-friendly language. She is a very versatile consumer credit lawyer.
Alexandra is a great asset to the firm. She understands the commercial sensitivity of matters and provides practical solutions. She is extremely proactive with the management of our activities.
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.
Provided by Eversheds Sutherland
Provided by Eversheds Sutherland
Aldermore Bank Plc
BNP Paribas
Capital One (Europe) Plc
Fintern Limited
LendInvest Plc
Secure Trust Bank
The Very Group Limited
UK Mortgage Lending Limited
United Trust Bank
Provided by Eversheds Sutherland
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