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About Financial Services Law

It’s the known unknowns and the unknown unknowns that make Financial Services such a fascinating and challenging area of law. Advising clients in the here and now, or helping them plan ahead, how are you sure you haven’t missed something?

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Authorisation, approval and supervision

The Senior Managers and Certification regime sub-topic contains useful materials to help customers identify the key developments in this fast-changing area together with key precedents and drafting notes developed in conjunction with CMS.

LexisPSL
Key features

Includes FCA/PRA Enforcement Database, 32 chronological timelines for hot UK/EU financial services legislation, comprehensive regulatory essentials notes covering the range of EU and UK regulatory initiatives, quick look Brexit legislation guides, toolkits covering key hot topics such as funds, Brexit and sustainable business etc.

LexisPSL
Key developments and horizon scanning

We track the consequences of Brexit on UK and EU financial institutions. Our content covers the guidance regulators have issued to help firms adapt to the new regulatory structure, practice notes on the impact of Brexit on specific sectors and regulatory regimes and comprehensive coverage of all news and legislative developments in relation to Brexit.

About Financial Services Law

LexisPSL Financial Services helps you find the authoritative answer fast, even if you’re in unfamiliar territory.

Clear, concise practice notes, checklists, timelines, precedents and charts give you just what you need to know – with links to sources like the FSA Handbook, the Journal of International Banking & Financial Law, and Butterworths Financial Regulation Service, as well as legislation and key websites for the fuller picture. And, importantly, news alerts and analysis to help you stay that step ahead.

Whatever’s on the horizon, you can get up-to-speed in a matter of minutes.

Latest Financial Services Q&As

Q&As
If a client would like to voluntarily waive privilege in an investigation, what are the risks and how can they be mitigated?
Q&As
Where private mortgages or legal charges are agreed in order to secure care home fees owed by an individual to a commercial client or to protect monies loaned to assist a friend or family member in the purchase of a residential property, Can such work be undertaken without an FCA licence under the current consumer credit activities regulatory regime? Are such legal charges or mortgages caught by the Consumer Credit Act 1974, and if so what formalities need to be complied with? Are there any exemptions which may be of assistance? In the case of a commercial client, looking to enter into a number of such agreements with their customers, should the client be advised to consider whether they require an FCA licence to enter into such multiple arrangements in the capacity of 'lender'?
Q&As
Do you have any content on exemptions to the consumer credit regime—loans to family?
Q&As
Where private mortgages or legal charges are agreed in order to secure care home fees owed by an individual to a commercial client or to protect monies loaned to assist a friend/family member in the purchase of a residential property, Can such work be undertaken without an FCA licence under the current consumer credit activities regulatory regime? Are such legal charges or mortgages caught by the Consumer Credit Act 1974, and if so what formalities need to be complied with? Are there any exemptions which may be of assistance? In the case of a commercial client, looking to enter into a number of such agreements with their customers, should the client be advised to consider whether they require an FCA licence to enter into such multiple arrangements in the capacity of 'lender'?
Q&As
What do I need to consider in promoting insurance products online?
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Associated legal terms

Buy Out

/ˈbʌɪaʊt/

The purchase by the trustees of an occupational pension scheme of an insurance policy in the name of a member or other beneficiary. The purchase follows the termination of the member's pensionable service, and is in lieu of entitlement to benefits from the scheme.

Financial Services and Markets Act 2000

/fʌɪˈnanʃ(ə)l/ ˈsəːvɪs//ənd//ˈmɑːkɪt//akt//tuː//ˈθaʊz(ə)nd/

The Financial Services and Markets Act 2000 (FSMA) is a key part of the UK's legislative framework for financial services regulation. FSMA and related secondary legislation define the 'regulatory perimeter', setting out the activities and entities that fall within the scope of UK financial services regulation.

Res Judicata

A res judicata is a decision by a judge or tribunal with jurisdiction over the cause of action and the parties, which disposes, with finality, of a matter decided so that it cannot be re-litigated by those bound by the judgment, except on appeal.

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