Bill McCaffrey
UK Guide 2025
Band 2 : Consumer Finance
Band 2
About
Provided by Bill McCaffrey
Work Highlights
Creditors and lessors on documentation and procedures for credit and hire products.
Credit agreements, statutory statements and notices.
Lenders and lessors on finance advertising.
Payment Services Regulations including obtaining authorisation and passporting.
Electronic Money Regulations including authorisation and passporting.
Asset portfolio acquisitions and sales.
Lender and lessor trading agreements with suppliers and intermediaries.
Account terms and conditions.
Block discounting, factoring and invoice discounting agreements.
Practice Areas
Bill McCaffrey is a partner in the Financial Services and Products team and Head of its Consumer Credit practice.
Consistently top ranked in the Chambers UK legal directory, he is singled out for his in-depth understanding of the market.
He focuses on legal and regulatory issues relating to secured and unsecured loans, instalment credit, leasing, asset finance, payment services and electronic money.
Bill joined CMS from Salans where he was a partner for 7 years. Before that he spent 14 years as a senior in house lawyer at Abbey National plc, First National Bank plc and Wagon Finance Limited.
Education
Strathclyde University
LLB
1986
Strathclyde University
Law Honours
1987
Strathclyde University
Dip LP
1988
Chambers Review
UK
Bill McCaffrey of CMS regularly acts for well-known brokers, mortgage lenders and motor finance service providers. He has extensive experience in handling FCA compliance matters and in drafting and amending a wide range of consumer finance agreements.
Strengths
Provided by Chambers
"Bill is wise and very commercial."
"Bill McCaffrey of CMS provides great service and expertise with swift responses, great commercial awareness and an understanding of his clients' businesses."
"Bill is approachable, able to explain complex matters clearly and readily available for urgent matters."
"Bill is wise and very commercial."
"Bill McCaffrey of CMS provides great service and expertise with swift responses, great commercial awareness and an understanding of his clients' businesses."
"Bill is approachable, able to explain complex matters clearly and readily available for urgent matters."