Brett Carr

Brett Carr advises leading fintech market participants on complex regulatory issues at the intersection of payments, lending, and digital assets.

Brett draws on a sophisticated understanding of market regulation to guide investors, lenders, card networks and payment system operators, stablecoin and electronic money issuers, payment services and cryptoasset services providers, fintech platforms, merchants, and technology companies on a full spectrum of advisory matters involving:

- UK and cross-border structuring and expansion matters through regulatory licensing, M&A, capital markets, restructuring and investment activity

- Conduct of business obligations

- Engagement with regulators and supervisory matters

- Commercial arrangements, joint ventures, and other product development work

- Regulatory change and policy engagement

He brings deep experience to the interplay between payments and merchant and consumer lending regulation. He also advises central banks, trade associations, and regulators on designing and extending national payments and fintech regulatory regimes in both developing and developed markets.

Brett is a leading advocate for the sector and serves on The Payments Association’s Regulatory Working Group and Open Banking Working Group, engaging on behalf of the sector with government, regulators, and other major trade associations.

He leverages experience from a secondment to Goldman Sachs’ Consumer & Digital Finance legal team, where he advised on digital assets, transaction banking, and consumer business Marcus.

A recognized leader at the firm, Brett headed the London office’s First Generation Professionals Group and has volunteered at Bethnal Green Legal Advice Centre since 2017.

Before joining Latham, Brett practiced in the London office of an international law firm, where he completed secondments to a leading global bank and a Swiss private bank.