Sarah is a Senior Associate in our Financial Services Team, specialising in the regulation of consumer credit and lending.
Sarah has experience in a wide range of regulatory compliance issues, with a focus on advising credit, hire and mortgage providers on their regulatory obligations. She has a keen interest in consumer credit, advising on all aspects of the provision of credit, FCA permissions and applications and regulatory requirements under the Consumer Credit Act 1974.
In addition, she advises on payment services regulation, insurance and more recently, providing updates and training for clients in all regulated sectors on the impact of the FCA’s new Consumer Duty.
Sarah provides a sharp, commercial position in the provision of regulatory advice to a range of businesses in the credit, FinTech and InsurTech space, supporting the growth of Capital’s Financial Services Team with enthusiasm and a sound technical understanding of the regulatory landscape.
Expertise
- Financial Services Regulation
- Consumer credit and mortgage regulation
- FCA/PRA applications
- FinTech
- Insurance
- InsurTech
- Regulatory due diligence for financial services firms
- Policy drafting
Recent work
FCA guidelines
Project managed a credit related FCA application for a Leeds based charity providing loans for business purposes, securing regulatory authorisation in the UK.
Working on an FCA application for client money permissions and advising on CASS requirements.
Credit provider
Provided legal advice on the regulatory perimeter for another credit provider, assisting the organisation in ensuring their regulatory status is evidenced. And assisting in the provision of regulatory compliant lending documentation.
Goods hire business
Advising an FCA authorised goods hire business on regulatory aspects of a restructure and continuing to provide support as a trusted adviser in all regulatory matters relating to its hire offering.
Nationally owned entity
Advising a nationally owned entity on the validity of its regulated credit agreements and providing strategic advice on moving out of the regulated regime.
National bank
Advising a national bank on drafting of savings terms and conditions, including specialist requirements for ISA products.
Sale of a regulated business
Undertaking regulatory due diligence work in relation to the sale of a regulated business.
Mortgage Conduct of Business Sourcebook compliance
Advising on compliance with the Mortgage Conduct of Business Sourcebook and preparing a Customer Charter for a lending client.