Nikki Worden

Banking and finance

Asset finance

Consumer finance

Financial regulation

Payments

Nikki leads Osborne Clarke’s Financial Institutions Group, specialising in FinTech and the regulation of financial services offered to consumers and small businesses, including consumer credit regulation. She advises on the impact of FCA regulation across a range of clients, from disruptive new market entrants to large lenders and retail banks; and from asset finance providers to tech companies.

Nikki advises clients on whether their activities fall within the FCA regime and on authorisation applications and helps clients structure and launch new products and services aimed at consumers and small businesses. She also advises on the full range of conduct of business requirements from financial promotions and customer journeys to creditworthiness and affordability, and from forbearance and collections to persistent debt.

Nikki drafts terms and conditions and notices for a wide range of products including loans, business cash advance products, current and savings accounts, credit cards, regulated hire products and PCP products. She works closely with other FinTech specialists at Osborne Clarke to provide holistic support for fast-growing firms.