Experience Advising:

• UK challenger bank on its successful authorisation application to the Central Bank of Ireland as a credit institution and its expansion into Europe.
• Clients on horizon scanning and regulatory change projects, including most recently implementation of the Consumer Protection Code 2025, the Second Consumer Credit Directive, the Third Payment Services Directive and Payment Services Regulation, and the Digital Operational Resilience Act.
• Clients on perimeter issues such as regulation / authorisation triggers, including advising on reliance on exemptions.
• Clients on regulatory engagement with the Central Bank of Ireland, other European national regulators and European Supervisory Authorities, including in relation to compliance with anti-money laundering and terrorist financing compliance.
• Clients on domestic product launches and European expansion, including advising on the process for obtaining authorisation from the Central Bank of Ireland as electronic money institutions, payment institutions and crypto-asset service providers.
• Payment services providers and retail lenders on terms and conditions reviews to ensure compliance with payments and consumer credit legislation, respectively.
• Multinational companies on financial institutions M&A, including the acquisition and disposal of Irish financial services targets and ATNF submissions to the Central Bank of Ireland.
• Regulated firms, senior management and their board members in complying with the Central Bank of Ireland’s ‘Fitness and Probity’ regime, Individual Accountability Framework including the Senior Executive Accountability Regime.
• Early stage FinTech firms on all stages of the regulatory lifecycle including the regulatory perimeter, exemptions, authorisation and supervision by regulators.
• Clients on risk mitigation programmes and preparing independent assurance reports for submission to the regulator.