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Our complete Financial Services Regulatory solution
New business seeking to understand the regulatory landscape? Established business navigating regulatory change and oversight? Identified an actual or potential regulatory issue? Or just want some assurance that you're meeting your regulatory requirements?
We operate at the intersection of business, law and regulation.
Our unique integrated legal and consulting model, supported by our global network, provides effective and efficient services to help firms achieve their regulatory objectives.
We deliver clear and considered solutions to complex business, organisational and regulatory needs for firms of all sizes. We possess the right skills and experience to support you with your business growth, driving strategic change and navigating regulatory environments, in a collaborative way, on time and on budget.
At Hogan Lovells, our directors, advisors, and consultants bring deep industry knowledge together with practical operational experience to enhance our legal advice - particularly in complex technical and highly regulated sectors.
End to End Service
We offer interpretation, planning, and implementation as an end-to-end service. You receive efficient and effective solutions that achieve your business and regulatory objectives at a lower cost than other technical consulting groups.
Where regulatory requirements drive changes to business operations, we can work as an extension to your business teams, providing insights, guidance and on the ground support. When technology is required, we deploy and leverage our in-house suite of tools and data driven solutions to give you access to the information required in formats that land messages and inform decision making.
What sets us apart
Delivering our consulting offering, alongside our legal advice, provides seamless full service and cost-efficient support to help our clients achieve their business objectives. You benefit from a full service offering, from one firm; reducing the need for mediation between inputs of multiple suppliers, lowering the risk of project slippage and reducing impact on internal teams.
We provide innovative solutions by thinking ahead. We complement our legal advice to support clients with their business growth, drive strategic change and navigate regulatory environments.
We are a specialist team of experienced regulatory and operational consultants, with an extensive range of backgrounds. Our people have worked for Regulators, large consultancies and a wide range of well-known financial services institutions. Our unique blend of experience gives us the knowledge and insight to provide innovative and tailored solutions, with on-hand support from our market leading legal practices.
We provide a range of consultancy services from advisory to specialist resource. Examples of where we can help you:
| Regulatory Authorisations & Notifications | Assurance |
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| Complaints & Remediation | Due Diligence |
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Identification of risks and areas for further investigation through:
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Additional retail, wholesale and financial crime services:
Learn more about how we work with our clients by visiting our areas of focus, with supporting case studies.
Advised a leading automotive services client on a remediation programme relating to insurance renewals and provided strategic and operational support with delivery. Drafted Voluntary Requirements, assisted with population analysis and delivered fair outcomes aligned to regulatory requirements for all affected customers within the permitted timeframe.
Performed outcome testing on complaints received by a large payday lender in relation to unaffordable lending. Provided specialist case handling resource to support with high complaint volumes and mitigate the risk of regulatory requirements being breached.
Advised a Fintech offering checkout services for online retailers to on obtaining FCA permission to provide merchant acquiring services and supported the application process. Support included advice on regulatory requirements in relation to all aspects of payments activity, guidance on documents to be submitted to the FCA with the application for regulatory authorisation, provision of document templates and review and GAP analysis of drafted documentation.
Advised an international bank establishing a new digital retail bank in the UK. Supported throughout the authorisation process including product, policy and process design, advice on regulatory requirements, providing document templates for the PRA application and reviewing the end to end application package.
Undertook a compliance review for an international bank to determine whether it was meeting its requirements under PSD2. Activities included review of documented sales process, customer documentation and internal procedures, GAP analysis against regulatory requirements and production of a report highlighting compliance risks and suggesting potential enhancements to strengthen regulatory position.
Carried out a review of compliance uplift activity undertaken by an insurance broker, as part of wider due diligence relating to a potential purchase. Reviewed documentation evidencing implementation to provide assurance to the buyer that the uplift programme had been implemented as agreed. Scope included the Insurance Distribution Directive, identification and treatment of vulnerable customers and product governance.
Conducted a compliance review for an international bank to determine whether it was meeting its creditworthiness and affordability requirements. Activities included review of documented sales process, GAP analysis against regulatory requirements, and production of a report highlighting compliance risks and suggesting activities to help the client better understand/remedy identified risks.
