Eva Kempenaar

Practice Areas

Eva Kempenaar is co-head of the Financial Regulatory team at De Roos, where she focuses on financial market supervision, with particular expertise in FinTech.

With extensive experience advising financial institutions, Eva has guided clients on market entry, license applications, Dutch supervisory reviews, governance, compliance, and anti-money laundering regulations. She supports clients throughout the full lifecycle, from market entry and product development to ongoing compliance with EU regulations, managing regulatory disputes, and facilitating exits.

Eva has been a contributor to the Dutch Financial Law Review (Tijdschrift voor Financieel Recht) since 2018, regularly publishing articles on various topics related to financial law.

Languages Spoken

Dutch, English

Work Highlights

• Advising leading neo banks and payment service providers on product development, international expansion and ongoing requirements.

• Advising start-ups and new market entrants on the regulatory regime applicable to their businesses (PSD2, MiFID II, EMD2, AIFMD, MiCA, Prospectus regulation).

• Assisting with obtaining market access & authorizations (licence/registration/exemptions).

• Advising DeFi protocols and crypto exchanges on financial regulatory matters in the Netherlands and globally.

• Advising on regulatory aspects of M&A transactions and joint ventures in the financial sector.

• Advising on various aspects of AML and sanctions legislation (implementation in business operations, training of personnel).

• Advising on the regulatory qualification of cryptographic tokens.

• Advising financial undertakings on sustainability disclosures and claims.

• Advising fund managers on structuring, regulatory authorization and ongoing requirements.